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id311299

Be careful when doing this. I did an early rate switch (paid hefty ERC) which meant moving from a  2.44% fix to a 3.15% fix (this was back in September right before the rates jumped). Naturally I wanted to spend as much time as possible on the old (2.44%) fix, so I requested that the actual change happens 90 days after application. Barclays ignored this detail and the new product kicked in straight away, which meant that I am paying the unnecessarily higher rate for 3 additional months. I didn't complain, because I didn't want to risk losing the 3.15% rate due to human/computer/process error, and decided to just swallow the 3 months at the new, higher rate.

london21

If staying with the same lender not sure they allow delaying the start. 

id311299

london21 said:

If staying with the same lender not sure they allow delaying the start. 

During the product change application Barclays offer a choice for the day from which the new product will become active - up to 180 days from the application date (was 90 days when I did my product change).