Remortgage with Advice or No Advice - Current fix coming to an end

sitesafe

Hello - current deal is approaching its end and it looks as if I'm going to have to remain with the same provider.


1) On reading the website it says I can apply online for deals 'without advice' or telephone for deals 'with advice'. If I go ahead and find out what deals are available without advice via online application does this then mean I cannot apply by telephone to see what deals I am offered with advice. Also I read on the website that both telephone and online deals will be the same for exisiting customers.


2) It also reads that if I have an existing product with an ERC that this would be transferred to the new deal - so even if it's a tracker or a fixed rate that I am offered, I am guessing I would still have to take on the ERC from my existing deal? I was hoping to be able to make unlimited overpayments with a tracker for the next deal but if I have an ERC on it then that's not going to be possible.


I don't want to just phone them in case by doing so then I can't apply online as that may be viewed as applying by telephone. It's Santander so I'm unable to view deals for existing customers.....


3) Would there be any reason to use a broker if I intend to stay with current provider?


4) Are there any disadvantages of waiting until I am on the SVR before I ask about a new product rather than applying before I go onto the SVR? The SVR will be lower than my current rate.


I hope this is clear and thank you for any help.