How soon to apply for mortgage

puregeordie · 13 August 2013 at 10:03AM

For an exisiting customer with the halifax?

Hi, Just wondering if your current mortgage deal is comming to an end how soon can you re-apply for a mortgage for an existing customer?

Is it right at the end or can you do it months in advance? so lets say its going to end in November this year, could I apply noe or have to wait until then.

Many Thanks.

Dave_the_Ginger_Cat · 13 August 2013 at 11:29AM

I think with the Halifax, you can apply up to two months beforehand. That was the timeframe when I changed mine mid-2012, but you're best to check with them.
In any event, you're probably at least a month too early, but good to be thinking about it now

kingstreet · 13 August 2013 at 12:24PM

PT process changed not too long ago. It can only be done in the month before now, IIRC.

puregeordie · 13 August 2013 at 3:42PM

Thanks for the info peeps, much appreciated.

Goldiegirl · 13 August 2013 at 4:37PM

By the way, it's not a new mortgage you'll be applying for in this scenario, it's a Product Transfer - a new interest rate product on the same mortgage.