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  • Worth giving them a call.

    I've just moved to a new deal as I was coming to the end of a 5 year fixed rate term. My rate would have jumped from 2.89% to 4.25% (base rate + 3.75%) but I was able to get a new 5 year fixed deal at 1.94%.

    More importantly (and relevant to you), there was no need to review my financial situation, just a few checks on things that were originally agreed (no lodgers, no intention to rent it out, etc). I didn't have to state anything about my employment status, salary, etc.

    (This was with Santander, other mortgage providers may differ.)

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