Natwest Mortgage

Beaker181004

Hi,


Quick question - I had a 2 year fixed mortgage with Natwest between Feb 2012 and Feb 2014. At the end of last year I went onto Natwest and found a cheaper 2 year fixed that I chose to go onto once my initial 2 year fixed finished.


The new 2 year fixed is due to kick off beginning of next month, however I have been online on Natwest and noticed their 2 year fixed is now cheaper than the one I got quoted 3 months ago.


Could I ring them up and ask for this new rate, considering I've not kicked into my new 2 year rate ? Would save me £70 per month....


Ta

AP73

yep, with Natwest you can change the product anytime before you complete on the remortgage

Beaker181004

Yes, the answer is YES


Just called them and yes, because I am still in the initial 2 year fixed mortgage agreement and the new 2 year agreement had not kicked it, I could apply for the cheaper %. That is a £70 per month saving (£1680 total). Amazing !


What I have learnt from this experience with Natwest (other mortgage lenders may be the same), is that when your mortgage is coming to an end and your take out a new mortgage a few months in advance, a few days before you old mortgage finishes, go back and check that your new mortgage % is the best they currently offer. Again, I had agreed a 2.55% rate back in October, but today I got it at 1.93%


Happy days !