Shifting a 0% balance credit card around the time of a remortgage - best route?

Bossworld

I've got circa £10k on a 12 month 0% balance transfer card (currently same bank as my mortgage is with). The promotional rate expires in August 2026.

At the same time, my mortgage is due for renewal in November 2026. I'm coming off a five year fix so it's going to be painful either way, but to my understanding, I can start to look for new deals from next month (May 2026) depending on lender. I'm at c. 50% LTV

Trying to work out best strategy with the credit card balance, as ideally I'd like to just keep shifting it on 0% cards for a while longer yet. I would also like to lock in a mortgage rate now, with the option to change it closer to Nov if rates were to go down.

As far as I can see, it's one of:

1. Apply for a new BT card now, shift it over, it'll start appearing as a new hard search/credit agreement etc. over the next couple of months, right when I'm starting to look for a new mortgage
2. Suck up paying interest on the credit card in Sept/Oct/Nov before applying for a new balance transfer card, and assuming the new mortgage won't knack my chances
3. Pay the CC off (have the money in savings but would prefer not to)

I've tried searching and CoPiloting and getting mixed answers, would appreciate any experience/advice (or if I should post this in the Stoozing forum instead)?

Thanks

Isthisforreal99

If your current lender has decent retention offers then it may not be an issue.

TBH, the time you should have thought about this is 12 months ago and the timing of coming off the 0% and your re-mortgage. However, it will all be relative - salary , LTV, mortgage amount etc

At 50% LTV it may be less of an issue. Do you have a broker?

ACG

If you do a Balance transfer today, it might take a month or 2 to be reflected on your credit report (ie it could look like you have 2 credit cards with £10k on).

There are ways around it. And for some lenders it might be a bigger issue than for others.

I dont really have answer for you as you want to apply for a mortgage soon and have the option of applying again down the line.

Bossworld

Thanks both

I could only find 12 month 0% BTs last time out, hence this has sort of been a recurring "problem" in the back of my mind. Been offered 36 months but that was at a rate of circa 3%.

Yes have got a mortgage advisor, former colleague has moved to L&C, but last time out he just helped me with a simple NatWest renewal (and I am extremely grateful for how low it has been for the past 5 years).

Feels like it might be time to just clear it then? I've only really kept it on the go to enable savings to be used for other more interesting things like house renovation, but have been paying into savings in case this day came.

Isthisforreal99

https://forums.moneysavingexpert.com/discussion/comment/81965812#Comment_81965812

Personally I would clear it and look to stooze again once mortgage in place..…or the amount you will no longer be paying out for the minimum payment will go some way towards your increased mortgage payment.