Early product switch

Bored

My fixed mortgage deal comes to an end in September and I want to stick with my current lender (Nationwide) and select a new deal. I have heard that Nationwide allows you to select a new product 5 months before the end of the deal and switch 3 months before the existing deal is up. Is there any possible way to switch sooner (without paying the early repayment charge)? My existing mortgage is very high interest (it was a 95% LTV) and I've overpaid the balance to get it down to 85% currently.
I know this is a long shot but I thought it was worth checking with the experts.

Thrugelmir

There's no negotiation with lenders. 

csgohan4

as above no, a contract is a contract

Bored

Figured as much! Ah well, not long left now. Thanks all

dimbo61

Keep overpaying and wait till 3 months before the end of your fix then check what they have to offer and apply online.
Rates won't change much in the next 3/4 months.

Bored

Thanks. I'm not so worried about the rates being offered changing, I just want to ditch this 4.04% rate ASAP!

Dandytf

Nationwide were up-to  5 months when I swapped from  existing fix to two lower rate trackers.

PixelPound

Dandytf said:

Nationwide were up-to  5 months when I swapped from  existing fix to two lower rate trackers.

You can apply from 5 months from the end, but it doesn't switch until 3 months from the end. So I suppose you can apply early to know what you will get.

I'll be looking to also remortgage with Nationwide soon, but due to overpayments should be looking at 60%LTV (though their website does say overpayments are not automatically included, just hope there is an option to include it.

As a side note, seems strange seeing someone call 4.04% extremely high, when if your old enough to remember pre2007 mortgages then that would be low (a friend had a tracker mortgage back then that was 1.5% below BOE BR and it had no minimum rate stipulation!)