Fixed rate finishing


I switched to a new 5 yr deal amidst the panic 2 weeks ago. That evening my bank, NatWest, duly put all the rates up significantly…so it felt like a good move…our current fixed rate doesn’t end until March, so I wanted to make sure we didn’t lose the deals on offer with our existing lender, which beat all the rest. 

however, as my current mortgage doesn’t end until March do I still have the right to switch again if interest rates change or other deals become available? Or Am I completely locked in already? 

thanks for your help.


  • gjs6385gjs6385 Forumite
    290 Posts
    Part of the Furniture 100 Posts Combo Breaker
    If you haven’t completed the switch yet then I don’t think you’re locked in.  I believe your offer will be valid for 6 months so you can see how the land lies during that time and if there is something better by then you could apply for that.
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