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I moved from a 4yr 2.99 fixed to 1.49 tracker with Nationwide (no fees, minimum term or overpayment charges) and it was all just done over the phone with next to no questions - nothing about the job apart from is there any reason I think I might have trouble paying. Ltv had gone from 75% to 35% so I assume it's seen as pretty low risk
I only didn't take another fixed as I'm not sure how long I want to be there, so the tracker just ended up being a cheaper mortgage with no downsides (vs not changing it)
duncs
Remortgage at the end of the current fixed deal I am on