Renewing Mortgage Whilst on DMP

gorskiii

My current 5 year fixed mortgage with NatWest runs until June 2025. Never missed a payment, always paid on time and not in arrears. Current valuation is 282K and mortgage 70.5K

I started my DMP journey in December 2023. From experience has anyone had any issues when renewing their mortgage when on a DMP with the same provider? 

Hoenir

Log onto the NatWest website and see what options that they are offering. Selecting a product online requires no affordability checks etc. Totally seamless. 

https://www.natwest.com/mortgages/switch-mortgage-deal.html

gorskiii

I can’t see anything due to my mortgage not yet being up for renewal. It does say in their “Our Mortgage Promise” that there’s no new credit or affordability checks. When I renewed a few years back I just logged in and choose a new deal that was best for me.

Altior

It's 18 months away.

Rob5342

Most banks let you move to.a new deal without any credit checks. I have three defaults on my credit report and I had no trouble switching to a new deal with Santander. It took about two minutes to log on and choose another deal and that was pretty much it. I might have had to sign a confirmation and post it back but there was no more than that.

gorskiii

Rob5342 said:

Most banks let you move to.a new deal without any credit checks. I have three defaults on my credit report and I had no trouble switching to a new deal with Santander. It took about two minutes to log on and choose another deal and that was pretty much it. I might have had to sign a confirmation and post it back but there was no more than that.

Ah brill. Should be easy enough to sort then.