Should you Remortgage? Guide


This is the discussion thread for the

Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.

Thanks folks,


  • Hi,

    My current 2 year fixed rate mortgage has come to an end with NatWest. I am now on their SVR, which is higher than the rate I fixed at.

    If I fix again with NatWest and take out one of their fixed term products, the payments each month will be less than SVR, but since taking out the deal 2 years ago I have since took out a £20,000 loan with HSBC to pay off credit card bills which were accrued through carrying out work on the house.

    Will this affect my chances of been able to remortgage? Do they run checks against you like that when you are already an existing customer? Should I just remain on the SVR?

    Any help on this would be gratefully received :)
This discussion has been closed.
Meet your Ambassadors


  • All Categories
  • 341.8K Banking & Borrowing
  • 249.7K Reduce Debt & Boost Income
  • 449.2K Spending & Discounts
  • 233.9K Work, Benefits & Business
  • 606.1K Mortgages, Homes & Bills
  • 172.5K Life & Family
  • 246.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.8K Discuss & Feedback
  • 15.1K Coronavirus Support Boards