I am looking a fair distance ahead (end of year) but want to start my thinking early on this one.
I am currently on my third successive product with Accord, a 2 year fix at 3.49%. I have had to stay with them before as unable to prove adequate income but have been slowly paying down the capital amount outstanding such that I shall owe c£85k on my property which is currently valued at c£300k.
At the moment they are offering 2 year fixes at around the same 3.49% rate to existing borrowers.
Between us, my wife and I can 'prove' pension income via P60s of around £12500pa and we also, under self-assessment, declare self-employment of c£4000pa (gross) and property income of c£22000pa (gross).
Our credit history is unblemished.
My question is as to whether another lender would consider us and also whether it is worth our while remortgaging away from Accord - their customer service has been top notch and any move would presumably mean product fees from the new lender as opposed to a costless and seamless transition.
Any thoughts from brokers particularly welcome and would be happy to supply any further details as required.
I am currently on my third successive product with Accord, a 2 year fix at 3.49%. I have had to stay with them before as unable to prove adequate income but have been slowly paying down the capital amount outstanding such that I shall owe c£85k on my property which is currently valued at c£300k.
At the moment they are offering 2 year fixes at around the same 3.49% rate to existing borrowers.
Between us, my wife and I can 'prove' pension income via P60s of around £12500pa and we also, under self-assessment, declare self-employment of c£4000pa (gross) and property income of c£22000pa (gross).
Our credit history is unblemished.
My question is as to whether another lender would consider us and also whether it is worth our while remortgaging away from Accord - their customer service has been top notch and any move would presumably mean product fees from the new lender as opposed to a costless and seamless transition.
Any thoughts from brokers particularly welcome and would be happy to supply any further details as required.