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Lloyds 10 year mortgage

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  • 330d
    330d Posts: 629 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    MFWannabe said:
    330d said:
    So looks like my luck is out. Phoned Lloyds and the expiry date of the mortgage product is end of August.

    My current deal expires end of September and if I switch any sooner I will pay a £2400 early repayment charge. 
    Are you sure you will miss out? 
    Normally you can change 3 months before current deal ends, ask them the question 

    I will ask the question but didn't think you can could switch until the deal finished.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 17 March 2022 at 9:49PM
    MFWannabe said:
    330d said:
    So looks like my luck is out. Phoned Lloyds and the expiry date of the mortgage product is end of August.

    My current deal expires end of September and if I switch any sooner I will pay a £2400 early repayment charge. 
    Are you sure you will miss out? 
    Normally you can change 3 months before current deal ends, ask them the question 
    How many months are there between now and the end of September? 
  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    MFWannabe said:
    330d said:
    So looks like my luck is out. Phoned Lloyds and the expiry date of the mortgage product is end of August.

    My current deal expires end of September and if I switch any sooner I will pay a £2400 early repayment charge. 
    Are you sure you will miss out? 
    Normally you can change 3 months before current deal ends, ask them the question 
    How many months are there between now and the end of September? 
    ???? Seriously? Did you read OPs comment?  
    Expiry date of mortgage product is end of August 
    Current deal expires end of September 

    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • kingstreet
    kingstreet Posts: 39,268 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    MFWannabe said:
    330d said:
    So looks like my luck is out. Phoned Lloyds and the expiry date of the mortgage product is end of August.

    My current deal expires end of September and if I switch any sooner I will pay a £2400 early repayment charge. 
    Are you sure you will miss out? 
    Normally you can change 3 months before current deal ends, ask them the question 
    That applies to existing borrower retention products. There is nothing to indicate Lloyds is the existing lender.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
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