Remortgaging with Same Lender

Ollie_D

My current deal is due to expire in January 2021, so I am now looking for deals that I can potentially lock in as options for when January arrives.
I perhaps wrongly (please correct me if this isn't the case) assume that taking a new deal with my current lender (Santander) would be the easiest option. But I recall from previous remortgages that existing customer deals aren't great and they only tend to be made available when the deal ends.
Do lenders negotiate on these rates, similarly to insurance companies etc.? 
Does anyone have any experience of remortgaging and staying with Santander?
Advice, opinions, comments welcome.

es5595

My experience is of this month remortgaging with Halifax. They offered me a three year fix at 1.5%. They were only offering 3 & 5 year fixes, both at 1.5% for my LTV. 
I did look elsewhere, but with the lack of product fee/legal fee etc, it made it cheaper to stay. 

amnblog

es5595 said:

My experience is of this month remortgaging with Halifax. They offered me a three year fix at 1.5%. They were only offering 3 & 5 year fixes, both at 1.5% for my LTV. 
I did look elsewhere, but with the lack of product fee/legal fee etc, it made it cheaper to stay. 

A Broker could have accessed a two year rate with Halifax for you, and potentially lower 3 and 5 year fixed rates.

If you are within 28 days of the new rate going in force you still have time to cancel and swop rates.

getmore4less

You have to watch Halifax they charge more as your mortgage gets smaller.
to  get an idea  2/3y rates no fee

	60%	75%	85%	95%
<£100k	1.56%	1.73%	2.21%	3.20%
<£250k	1.47%	1.63%	2.14%	2.39%
£250k+	1.34%	1.49%	1.99%	2.24%