HSBC most cost effective way to Product Switch, Change Term, Combine Accounts AND Take out £10k

IAMIAM

HSBC Tracker Mortgage Currently (18 months to go)
Account 1 - 156k
Account 2 - 29k

Want to product switch to a fix, reduce term to 25 years, and take out approx 14k to take me to 200k. Ideally wanting one mortgage account. Is it worth product switching and taking the addititonal borrowing at same time and then waiting a month and changing the term across all 3?
I only want to pay one £999 fee and ideally have one account in the end

MWT

See if any of the brokers have a different view, but if you want to end up with just one account then I don't see a better route than doing it all at the same time, as you are going to need a full financial review for the term reduction anyway, so may as well get the additional borrowing approved at the same time I would have thought...?

kingstreet

I don't believe the above is possible.

HSBC further advances/additional borrowing always have a different account number AFAIK.

IAMIAM

I have been told the cheapest option is to take out further advance, with zero fee on a fix and then apply again for a term change and a product change and all 3 accounts will be combined....? But I will be paying the ERC fee circa 250-400 on my fixed product as HSBC do not have any tracker with zero fee for addittional borrowing?

If I went to some where like Nationwide and remortgage with further advance, is that just one big pot or two accounts again?

IAMIAM

Is a hsbc product change (tracker to fixed) and a term change (25 to 20) in the future classed as a brand new application with consolidated accounts? Will this be a full credit check? No addtional borrowing