Getting a new fixed rate deal with Halifax. What's involved?

Northants_Simon

I've made an appointment with Halifax to discuss a new fixed rate as I'm on the SVR. Halifax have asked me to bring two years self employed accounts, tax returns and three months bank statements. This sounds like the process I went through getting a mortgage 15 years ago! I was under the impression they'd just let me chose a two or five year fixed without too much hassle as I don't want to borrow more or change the term of the mortgage and I've paid on time for the last 15 years!

Can anyone tell me what is involved? Do I have to requalify for the mortgage just to switch to a fixed rate? 

Edi81

Can you log onto your account online and see what is available? Switching your product online is the easiest way. 

Remortgaging is the term to move lender or take out a further advance. 

the issue is as soon as you speak to them it becomes advised which means they need to go through a lot of paperwork. 

Northants_Simon

I can't do it online as I used a Government home buy scheme which Halifax class as shared ownership when in fact it is shared equity. For this reason they can't do it online. 

K_S

Northants_Simon said:

I can't do it online as I used a Government home buy scheme which Halifax class as shared ownership when in fact it is shared equity. For this reason they can't do it online. 

@northants_simon That does happen sometimes with legacy products where the client's mortgage doesn't come up on the system and/or the 'refinance' team needs to get involved.

@kingstreet Any thoughts on this Halifax PT?