I currently have a mortgage with KBC on a 1 year fixed rate. The term is ending in December and I have received a letter saying that it will default to the standard variable rate of 3% when my fixed term ends. I want to move to a 2 year fixed rate of 2.25%. KBC have told me that I will need a valuation to change to fixed rate. The valuation must be less than 4 months old. I got a valuation 12 months ago and its 40% LTV. I find it strange that I can default to the SVR based on a LTV <60% but I can't to a fixed rate without a valuation. Thoughts?