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@stevo_com
Was expecting new rate for the 5yr fix to take effect from the beginning of this month. Was a shit surprise when I was on holiday to see a higher amount paid from my account on 1st Oct.
Checked the mortgage account online and it was showing the variable rate that was due once the initial 2yr expired. So it was effectively like our MA did fuck all and the inital two year fix just expired.
Cue me stressing unnecessarily about missing out on the 5yr fix and having to re-apply. Emailed the MA from our holiday AirBnB telling him to get either his or the Halifax's shit together. He said he did and that the new 5yr fix will now start in Nov at the previously agreed wait. He also said he is looking into getting the difference between this month's payment and the new rate refunded as someone has fucked up somewhere. If he does, I'll throw it back in as an overpayment.
Not an exciting story now I've typed it out, just makes me more stressed than it should when things are not nailed down when it comes to mortgage/rent/housing.
Plus side is our deal is fixed until the end of Jan 2023 so I know what we'll be paying each month right though the current planned Brexit year and the next GE and it is way less than we would be paying in rent anywhere remotely nearby.