I am currently <1 year into a variable mortgage with BOI. Its fixed for 3 years at 3.75%. I am keen to switch to take advantage of better rates elsewhere but mainly to consolidate some loans taken out to renovate the property into a mortgage.
My partner is currently on a probationary period after starting a new job. Q's would be is it too early to switch while the mortgage is so new? Would my partners probation rule this out anyway? And is consolidating loans an option with any mortgage lenders? (I am self employed and my income has improved since the bank a 3 year average when they made their assessment in late 2015).
Thanks in advance for any help.
My partner is currently on a probationary period after starting a new job. Q's would be is it too early to switch while the mortgage is so new? Would my partners probation rule this out anyway? And is consolidating loans an option with any mortgage lenders? (I am self employed and my income has improved since the bank a 3 year average when they made their assessment in late 2015).
Thanks in advance for any help.