Looking to sell at the end of fixed rate mortgate

StephanieW

Hi, 

We are coming to the end of our fixed mortgage with Halifax (1.62%) at the end of March for our new build purchased with Help to Buy. 
We didn't think selling yet was a option however had the house valued this week and have made enough profit to move on so are putting the house on the market this week. 

I'm after advice on the best option moving forward out of the following (or other options if there are any I haven't thought of!); 
- Switch to a new deal with Halifax at 2.6% and hope we can port the rate when we move (least admin/paperwork option) 
- Stay on the SVR (4.8%) for a few months while we sell and take out a completely new mortgage on the new house  
- Switch to a different lender with a better rate than Halifax (around 1.9%) but would be re-fixed for 2 years so again have to hope we can port to avoid ERC's 

Unfortunately we have left it very close to our rate ending, I have booked in the appointment to re-mortgage to a Natwest for mid March currently. Should I seek an independent mortgage advisor? 

[Deleted User]

switch to a new lender and take out a base rate tracker with no erc?   

Although most wont lend if you are currently trying to sell it as it is seen as short term lending.   

Natwest are fine but brokers get cheaper deals so even if you want to go to natwest you would be best doing it through a broker and getting a better deal. You will also get the chance to see what other options are available. 

Also, Halifax and Natwest are 2 of the lenders most known for giving existing customers higher rates than new ones so you might be better seeing if there is a lender out there who treats existing customers better.   If you do a 2 year rate now and then have to port and take a top up then you could be stuck with the lender for awhile as your rate expiry dates wont align.