Do you move your morgage around? Swap to different lenders

[LardLizard]

As we always stick with nationwide
As we can over pay with no penalties, which we have been over paying in the past and and hope to do so again in the future

But I wonder if we are missing a trick by not moving at about the way some people do

Of course. We go with the best deal. Best rate. You can overpay with nearly everyone.

It's really just to do with who has the best rate for you when your fixed term ends, taking into account interest rates and things like ability to overpay.
I started off with Nationwide because they offered me the best rate and I'll probably stay with them tbh because the rates seem consistently good and the overpayment options are excellent.

What kind of morgage comparison site do you use
We are not on. Fixed term, just a base rate morgage

What % are you currently paying and roughly what’s your ltv?

We've shopped around to get the best rate, never fixed, always a base rate tracker and it's been the cheapest for 99% of the last 25 years.

Been with Santander, Halifax and are now with HSBC who gave us a very good lifetime base rate tracker about 12/13 years ago, so will almost certainly stick with this until the end.

Not overpaying as rate is lower than savings accounts, so saving up extra money instead, but won't actually pay it off until the end or the interest rate situation changes.

On this house (moved in July) we will switch as soon as our fixed rate is up. On our last house we stayed with Nationwide the whole time. We'll probably go back to them if the rates are equal or better (on principle - Barclays very nearly shafted us by withdrawing or mortgage at the eleventh hour, and not actually telling anyone they'd done so) But will see what looks best in five years time.