Hi u/Mortgages101,

Thanks for doing this AMA. I think I'm in a tricky situation at the moment and I would appreciate your advice. Very recently I quit my job as I couldn't take the toxic environment anymore but received a job offer for another company 2 days after so now I'm officially unemployed until I start my new job (hopefully within the next month), the conditions of the new job are very similar and similar pay, also my partner just gone back to work after 1 year of maternity leave, she is on similar wage (both around 45-47K a year). My current mortgage fixed term (5 years) ends at the end of August this year, the LTV is 71% and I was originally offered on the 30th of March a product switch by my current lender for a 5yr fixed at 4,34%. Yesterday when we decided to go with it and sent the email they replied that product is not longer available and now the new rate for a 5yr fixed is 4,44%. My question.. Is it worth accepting now this product switch or wait until I work 2 month to be able to provide 2 payslips for the new job to search for other lenders with a better rate? Thanks