I can try to answer this
a) oct-2013, 3 months in before out of lock in period
b) oct-2013, 3 months in before out of lock in period
c) notice period is 3 months
that's why 3 months in advance u should start to nego with same bank and other banks.
- Assume u finally decide to reprice with same bank, the new/amended contract will start before 3 months due. So do not wait, nego with same bank once you reach the last 3 months before out of lock in period. Hence, conclude asap for your best interest.
- Assume u finally decide to refinance with a different bank, your refinance lawyer will immediately write to your current bank giving 3 months notice. Meaning, once you are out of lock in period, in Jan-2014, you are immediately switched to the new bank (no need to wait for another 3 months). Again, conclude asap for your best interest.
Then again, for refinance, the actual cross over date may be affected by your current bank contract. Bec, your current bank contract may have a clause that need you to redeem the loan on certain interest expiry date (eg. end of 3month sibor period), else extra penalty fee...
For this, you can ask your refinance lawyer to go through your current bank contract and advice the actual redemption date in your best interest.