How early can I start to remortgage?

ccygirl

As rates seem to be on the rise, I was wondering how early I can remortgage. My current deal Abbey 4.39% expires in Jan 2008. I will need to borrow £160K my house is worth £420K. Income enough to support mortgage. I was thinking about a 5 year fix but can be flexible if there are any better rates around. All replies greatly appreciated.

herbiesjp

There are lenders that can issue offer letters that are valid for 3, 6 and 12 months, so in theory you can look that early to get a deal sorted out for you. You have to be careful that the deal chosen does not have an expiry date sooner than the expiry of the offer letter though

pollyanna24

Sorry to hijack the thread, but I always thought that mortgage offers expired after 3 months. Which lenders offer 12 month ones? Is there a higher interest rate for this priviledge? Only my 2 year fixed is up in April of next year.