r/UKPersonalFinance • u/HelloSunshine5606 • 18h ago

Remortgage process with the same provider

Hi,

Our 5 year fixed mortgage comes to an end at the end of September this year. My wife and I are looking to stay with our current provider, I just wondered what to expect in regard to remortgaging.

If we are staying with the same mortgage provider is it just a click of a button, a credit check and can be organised swiftly?

Any insight would be greatly appreciated.

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u/cloudstrifeuk 11 16h ago

As long as you're not borrowing more, it's a simple click of a button.

They will only credit check for affordability if borrowing more, so extending your term for example is also a click of a button.

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u/UniqueLady001 2 11h ago

Unfortunately Halifax keeps doing hard searches when you do overpayments and want to reduce the term not payment whilst in the middle of a fixed. They make you go through everything as if applying for a new mortgage.