Switching rates after a PT

Just a quick one...

Did a product transfer in November to 4.77% for 3 years, taking effect from 01/02/23.

Now I see the rates have fallen, even below this figure, for an even longer fix. Is there anything I can do, given the timescales, or are we locked in now? It's not a killer, maybe £20 per month, but I want to ensure we are in the best position possible, moving forwards.

Thanks for any advice x

Replies

  • JMA74JMA74 Forumite
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    Who is the lender?
    I am a Mortgage Adviser 
    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.
  • edited 10 January at 3:41PM
    amnblogamnblog Forumite
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    edited 10 January at 3:41PM
    Sounds like the Halifax, special sub £150,000 3 year fixed rate

    You should be in time to swop. Go back to the Lender if you went direct to them, the Broker if you didn't.
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, 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.
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