03/02/2026
When we submit your mortgage application with a lender, the rate is secured (up to 6 months in advance).
If the rates available drop before it starts, I will get in touch to see if you would like to change it. If it’s with the same lender, I will normally just do this and then confirm the new rate and savings with you.
This way, you know you have secured the most suitable deal for you now, and if something better comes along, you still have the option to change without any penalty before the new deal starts.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON YOUR MORTGAGE.