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Existing lender switch rate cheaper than comparison sites
ambioni
Posts: 114
Forumite
Current mortgage ending end June 2025; LTV is ~45% , 15 years left. Surprised to find that my existing lender (HSBC) is offering me the cheapest rates of all for 2 or 3 yr fixed deals, cheaper than any of the comparison sites I'd looked at.....I had expected to find another lender with a cheaper rate but maybe not. Is this unusual?
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Comments
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Its the look of the draw. The chances of you being with the cheapest lender at renewal is slim (there are over 90 lenders), but it does happen.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, 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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I've always found HSBC cheapest and they normally offer a slight reduction for being existing customer. I secured 4.14% 2 year no fees so far for my deal ending 30th June.0
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A lot of companies offer better rates for current customers0
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