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New fix term due and lender wanting a new application
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DellyC
Posts: 122 Forumite
Hi,
My fix term is due to end, I have had my mortgage 12+ years and usually choose a new fix term with the same lender online. I have tried to do this and they are now saying that I made 2x larger over payments during my last fix I now need to do speak with a mortgage advisor and do checks for a new mortgage fix!?! Had anyone come across this recently?? Thanks
My fix term is due to end, I have had my mortgage 12+ years and usually choose a new fix term with the same lender online. I have tried to do this and they are now saying that I made 2x larger over payments during my last fix I now need to do speak with a mortgage advisor and do checks for a new mortgage fix!?! Had anyone come across this recently?? Thanks
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I had the same this week, expected just a renewal offer as always but had to apply for a new product, so spent an hour on the phone going over everything and affordability checks.
They did not give any reasons why this was needed but like you I had made over payments, so could be the reason.
Probably did in the end suit me as they did not credit checks as existing mortgage and I was able to talk a few options through but I was surprised I needed to make an application.Challenges
MFW 2025 #6 - 14871.56/14,000
Completed Challenges
MFW 2024 #35 - 9,000/9,000
Pay off all debts by 2023 - #18 8,000 / 8,0000 -
..and the Lender is?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.0 -
have a broker sort it for youI 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.0
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