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  • #1

    changing from a variable to fix rate with same lender

    hi
    i have just recieved a phone call from my mortgage company (santander) offering me a 2.9% fixed rate i am on a 4.74% variable at the moment the only questions he asked was if i had ever been bankrupt or had ccj's which i don't have either of, but i do have defaults... 5 of them will they do a credit check on me even though i have never missed any payments on the mortgage i would be reducing the monthly payments and i would not be asking for anymore money i have said i need to think it over but i don't want to alert santander to my credit card UE problems
    thanks carol01
    ALWAYS SMILE NO MATTER HOW BROKEN YOU ARE
    Tags: bankrupt, card, ccj, checks, comi, credit, credit card, credit checks, defaults, fine, firm, friday, house, money, monthly, mortgage, payments, phone, problems, questions, rate, santander, switch, update
  • #2
    Re: changing from a variable to fix rate with same lender

    No, santander do an In house Switch, no credit checks are needed, you will be fine.
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    • #3
      Re: changing from a variable to fix rate with same lender

      Originally posted by SXGuy View Post
      santander do an In house Switch, no credit checks are needed.
      I agree. In fact why would they ask you if you've got any CCJs or ever been BR if they could find that out in a credit search

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      • #4
        Re: changing from a variable to fix rate with same lender

        Originally posted by SXGuy View Post
        No, santander do an In house Switch, no credit checks are needed, you will be fine.
        yay!!! thankyou so much he is coming next monday but phoning friday to confirm
        ALWAYS SMILE NO MATTER HOW BROKEN YOU ARE

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        • #5
          Re: changing from a variable to fix rate with same lender

          Originally posted by planB View Post
          I agree. In fact why would they ask you if you've got any CCJs or ever been BR if they could find that out in a credit search
          it was what they asked on the phone i don't know why he did ask about defaults so i never said anything about them
          ALWAYS SMILE NO MATTER HOW BROKEN YOU ARE

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          • #6
            Re: changing from a variable to fix rate with same lender

            Originally posted by carol01 View Post
            he is coming next monday but phoning friday to confirm
            Who is coming next Friday? Is it a surveyor to do a valuation update

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            • #7
              Re: changing from a variable to fix rate with same lender

              Originally posted by planB View Post
              Who is coming next Friday? Is it a surveyor to do a valuation update
              they are sending a mortgage advisor out
              ALWAYS SMILE NO MATTER HOW BROKEN YOU ARE

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