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Remortgage approaching. Self-employed. I don't earn as much as I did when I first got the mortgage.
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I'm in a not dissimilar position but actually earn more now since being self-employed - I just don't have two full years of accounts yet to prove it. So, when my current fix is up in October then I'm planning on transferring products with my current lender. It will absolutely not be the best deal on the market (my lender is small and doesn't have particularly competitive rates) but for the lack of stress and hassle, it's the best option for me this time.
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I run my own business and over the years I eventually gave up on switching lenders every 5 years because of all the hassle involved. At the end of the fixed period I would just switch to a new product with the same lender - they were competitive enough and my mortgage was becoming smaller and smaller so the percentage difference between lenders didn't matter too much.
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