YBS product switch - interest only

Snookie12cat

Tried to rate switch at end of my fixed term and it won't let me do it because I'm on interest only and apparently I have to have a whole appointment with their advisor to receive advice, including all the incomings and outgoings 🤷‍♀️ I literally am changing nothing at all with the term, the loan etc 
 I just need to secure a new rate and I know which product I want. 

Why am I unable to do this without advice when everyone else on repayment can just select it online. 

Hoenir

As the number of remaining interest only mortgages diminshes. Lenders are no doubt taking a closer interest in how the debt will ultimately be repaid. Micro managing delinquent accounts is a time consuming and costly business. Lender is therefore requiring reassurance before granting you a particular new fixed term product. 

Snookie12cat

Hoenir said:

As the number of remaining interest only mortgages diminshes. Lenders are no doubt taking a closer interest in how the debt will ultimately be repaid. Micro managing delinquent accounts is a time consuming and costly business. Lender is therefore requiring reassurance before granting you a particular new fixed term product. 

Thanks - it just seems silly because they gave me the loan for 30 years, so its not like they can dump me, but could potentially refuse me a lower rate  
I only took it out 2 years ago so I doubt there will be an issue, its just painfully sitting through an hour phone call to just change my rate.