Hi Twinkle33.

It will certainly make it very difficult (probably impossible) to move to a new lender to get their fixed rate products.

So the question is really whether your existing lender will offer you a replacement product with a fixed rate, or whether they'll simply move you on to their standard variable rate. I cannot see why credit scoring would come into this at all - their risk doesn't seem to change either way.

Sometimes mortgage lenders offer replacement products and sometimes they don't. It's a commercial decision.

If your rate is due to end in the next three months they might be able to tell you now whether replacement products will be available.

I believe the majority of mortgage lenders don't do a credit check if you are simply changing products with the same lender. Which lender is it?

I've heard the exact same mapleleaf.

With no additional risk (they're still owed the same amount, secured against the same property, by the same people) there doesn't seem any point.

Required credentials are needed to fulfill to hold a grip on fixed rate. Most importantly the time span of deed and/or replacement of product optionally.

Excellent advice there from Prosperity Mortgages!

I hope I don't ruin their day over there in Delhi, but that's the last we'll be hearing from them.