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Fixing In - Debt

Daniellexxx23
Daniellexxx23 Posts: 14 Forumite
Sixth Anniversary First Post Combo Breaker
in Mortgages & endowments
We currently have a mortgage where the fixed rate is due up in October, we will want to fix in again but have some debt and I was just wondering if that will stop me fixing in with the same lender? 

Tried to look online but everything that came up was about getting an initial mortgage with bad debt. 

We have good credit scores and have no missed payments. 

Comments

  • MWT
    MWT Posts: 10,775 Forumite
    10,000 Posts Sixth Anniversary Name Dropper
    If the debt is not with the same lender and you are not making changes to the mortgage then depending upon which lender it is, there is usually no reason to do a new credit check or affordability calculations...
  • Edi81
    Edi81 Posts: 1,514 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That would be a product switch. 
    As long as you are not wishing to change the amount borrowed or the term it should be possible to do this all online. 
  • FashionHeart
    FashionHeart Posts: 150 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Daniellexxx23 said:
    We currently have a mortgage where the fixed rate is due up in October, we will want to fix in again but have some debt and I was just wondering if that will stop me fixing in with the same lender? 

    Tried to look online but everything that came up was about getting an initial mortgage with bad debt. 

    We have good credit scores and have no missed payments. 
    It shouldn't be a problem if you're not looking to borrow more from the same lender.
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