Remortgage with current lender during redundancy?

Sponge

I'm being made redundant. My departure date is 13th February 2015.

I have two mortgage products with Santander: one deal expires next month, the other in May.

Logging into my online account I can look at deals on the table, but only to replace one of the products. If I understand it correctly, I need to wait until I reach the '3 months before' mark before I can remortgage the second product. So my plan was to let one deal 'lapse' onto the SVR and wait for the second one to reach a point where I can remortgage the whole lot.

It appears I can do it all online, with very little paperwork and even fewer questions. My question is, can I actually do this during redundancy? I mean, without declaring it?

I appreciate switching lenders will probably be impossible, but I don't want to default onto Santander's SVR for any longer than is necessary. At the same time, whilst not wanting to lie, I don't want to volunteer information I don't have to and make matters worse than they have to be.

ACG

I dont have masses of experience with the new product switching but when switching mine it didnt ask any questions. I had to tick some declaration boxes but never read them and then pick a new rate.

Sponge

I went ahead and made the switch to a new product. Paperwork is in the post, which I will of course read carefully. However, there was nothing in the online statements/declarations that concerned me.

Mortgage has gone down £80 per month and I now have peace of mind for the next 5 years. I think the rate is reasonable considering the fee and my circumstances, i.e. I wouldn't be able to change provider, due to redundancy and uncertain career future.