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Remortgage Halifax 75% 1.42% 3 Year Fix Too Early?
IAMIAM
Posts: 1,432 Forumite
Hi,
If my remortgage isn't due until 1st June 2021, can I secure this rate now or is it too early to submit an application (with payslips and valuations etc).
I was thinking it could take 4-6 weeks and that would give me an offer that would be valid for 6 months, or can the product be withdrawn etc?
I am seeing rates continually increase and want to plan early.
If my remortgage isn't due until 1st June 2021, can I secure this rate now or is it too early to submit an application (with payslips and valuations etc).
I was thinking it could take 4-6 weeks and that would give me an offer that would be valid for 6 months, or can the product be withdrawn etc?
I am seeing rates continually increase and want to plan early.
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Comments
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Any thoughts?0
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Who is your lender? Normally you can’t change to a new deal until 3 month s before current deal endsMFW 2026 #5007/03/25: Mortgage: £67,000.00
Mortgage:
04/04/26: £33,500
07/03/26: £34,418.15
16/01/26: £56,794.25
02/01/26: £60,223.17
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
Savings: £20,0000 -
My lender is HSBC currently0
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Any thoughts?0
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What is your current lender offering?
are you on a fixed deal currently which is what ends in June? When can you change current deal with no early repayment charge? Usually it’s 3 months so it would be too early now
MFW 2026 #5007/03/25: Mortgage: £67,000.00
Mortgage:
04/04/26: £33,500
07/03/26: £34,418.15
16/01/26: £56,794.25
02/01/26: £60,223.17
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
Savings: £20,0000 -
With HSBC you do a 'rate change' it does not involve - sending in pay slips etc
I have just 'remortgaged with them by changing the term and rate - and that involved sending payslips in.
The mortgage offered lasts 6 months- so if you did it now = it would be too early (you could get the rate by changing your term - would still be a bit early)
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