Remortgaging - how much in advance can you secure a deal.

[StripeyKnickersSpottySocks]

Says in The Times today that you can get a mortgage deal put on hold for you 6 months before you need it. Halifax told me today its only 3 months in advance. Anyone know?

Depends on the lender

I have always had 6 month offers
In the current market I bet they are shortening them

What they mean is that you get a mortgage offer from the lender which comes about after they have checked your income, done a survey and then run a credit score (usually).
The offer will then have an expiry date, it will depend on the lender as some offers will last for three or six months. However to confuse the issue some lenders also have an expiry date on their products so you might choose a fixed rate but that will only be available up to a certain date, after that you will have to choose another rate.

Ah, guess its still worth ringing a broker to see if I can find a good rate now. Article in The Times has scared me saying how the mortgage situation is going to get worse rather than better.

cheltenham and Gloucester are offering 5.62% I think on 2,3 and 5yr fixed rates and a two year tracker, all £995 fee added to mortgage and free legals and valuation. It's not a bad deal.

skss if you need to speak to a broker then my dp has an ad on here and you can mail him here

my mum is a G&G nortgage advisor

they give an offer for 3 months...

they will normally extend the same offer for another 3 months IF there is a reason, ie super slow solicitors delaying completion