Loan before switching to new deal (same mortgage provider)

anfieldred

Hello

Probably a stupid question..

My fixed term is due to end with Halifax in June and am due to switch to a new deal in the next few weeks (can't do it until April due to being outside the 3 months that I'm able to do it currently)

I'm due to get married this year, however my dad has been diagnosed with cancer so looking to get the wedding done sooner so he can be there, so looking at a loan to cover this.

If I were to top up an existing loan with my bank (Lloyds), would this hinder my ability to switch to a new deal with Halifax? I've seen on here that if its a retention/switching a product then there's no affordability checks again etc., however the advice everywhere is not to borrow before remortgaging etc., so , would increasing my loan now screw things up in being able to get a better mortgage rate in the next few weeks?

Any info/advice is appreciated

Thanks

AnotherJoe

It would depend upon the loan. Were you going to borrow £1,000, £10,000 or £100,000 ?

anfieldred

The loan would be for about 4000

anfieldred

Spoke to Halifax last night who said I can switch from April 1st. Do you reckon its worth hanging on until it's been switched, or should it be ok still ?

AnotherJoe

Why possibly mess it up for just two weeks? Even if its just a tiny chance?
Do you even need the money before 1 April?

anfieldred

No not desperately, just getting it from my OH to get things paid off the wedding as we're trying to do everything at short notice