Remortgage when on furlough

Redundancyissues

Sorry if this is in the wrong place, I couldn’t decide whether to post this here or in the coronavirus section. Feel free to move it if it’s in the wrong place!
Our fixed rate is up next month, I wanted to stay with our current bank as they’re known to be one of the best for customer service but I’ve had to just wait half an hour to even speak to someone and they can’t give me an appointment to speak to the mortgage team until mid September so considering my options.
I’ve been on furlough since early April. Considering this would I be best to stay with my current bank or shop around? Or wouldn’t it matter? I can’t really get an answer from looking online regarding if furlough is going to cause issues when applying for a new rate.

dimbo61

You can apply for a new deal with your current lender online.
Check the lender's website for new deals for existing customers and put in your login details.
As long as your not changing anything other than the rate you don't have to speak to anyone.
So your not trying to borrow more money.
Your not trying to extend or decrease the term.
Find the best deals for your circumstances and tick the boxes.
Your not asking for advice your just switching deals so furlough is irrelevant unless your maybe going to lose your job and need to sell your home ?
You already owe them £xxx,xxx so nothing has changed.

MovingForwards

As above, it's usually a case of looking online to see what fixed rate options your current lender has, click to accept it and all done in seconds.

Redundancyissues

Sorry for the delay I’ve only just seen this!
My bank insist I have to speak to someone from the mortgage team, they already know which rate I want and that I don’t need/want advice.