Timing of 2 applications

chelseablue

YHM wrote: »

Secondhand

My first thought was !!!!!! heap :rotfl:

chelseablue

Thinking further about it, my Barclaycard offers 0% money transfers (1.9% fee)

Instead of applying for any new lines of credit would it be a better option to use this facility instead?

SuboJvR

Is there a reason you want to remortgage?

My understanding is that in the months preceding your fixed rate ending, your existing provider will contact you to offer a retention deal, which won't require further credit checks.

chelseablue

SuboJvR wrote: »

Is there a reason you want to remortgage?

My understanding is that in the months preceding your fixed rate ending, your existing provider will contact you to offer a retention deal, which won't require further credit checks.

Just because our fix rate ends in March.


With what Halifax are currently offering we could get a better interest rate elsewhere

YHM

Exactly!

You should always review the market when your Fixed Rate ends, although I would say that....

chelseablue

Would like to go for a 5 year fix this time, Halifax are offering us 2.09% (at the moment)


Have seen a 5 year fix with Santander for 1.79%, £0 product fee plus free valuation and legal fees paid