Whether your mortgage deal ends in 12 months or in 2 weeks, we're here to help you understand your options and secure your next mortgage.
Many homeowners assume they should wait until the final few weeks before their mortgage deal ends.
In reality, many lenders allow applications to be submitted around six months before your current mortgage expires. Starting early gives you more time to review your options, compare products and make informed decisions without feeling rushed.
It can also provide peace of mind. In many cases, it's possible to secure a competitive mortgage product whilst still benefiting if rates improve before your new mortgage completes.
Planning ahead means you're in control rather than reacting at the last minute.
When your fixed or discounted mortgage deal comes to an end, your mortgage will usually move onto your lender's Standard Variable Rate (SVR).
For many homeowners, this can mean a significant increase in monthly payments.
Although every lender is different, remaining on the SVR for longer than necessary could cost considerably more than moving onto a new mortgage product.
Our role is to help ensure you understand your options before that happens, giving you plenty of time to secure a suitable deal.
Every client's circumstances are different, which is why we don't believe in one-size-fits-all advice.
During your mortgage review we'll take the time to understand what's changed since you originally purchased your home.
We'll discuss:
whether your current mortgage still suits your needs
changes to your income or circumstances
future plans such as moving home or borrowing more
opportunities to reduce monthly payments
whether fixing your mortgage again is the right option
We'll then search a wide range of lenders and recommend the mortgage we believe is most suitable for your circumstances.
Every client's circumstances are different, which is why we don't believe in one-size-fits-all advice.
During your mortgage review we'll take the time to understand what's changed since you originally purchased your home.
We'll discuss:
whether your current mortgage still suits your needs
changes to your income or circumstances
future plans such as moving home or borrowing more
opportunities to reduce monthly payments
whether fixing your mortgage again is the right option
We'll then search a wide range of lenders and recommend the mortgage we believe is most suitable for your circumstances.
Renewing your mortgage doesn't have to be complicated.
Whether you're wondering when to start, whether you can switch lenders, or what happens next, we've put together answers to the questions we hear most often from our clients.
When should I start reviewing my mortgage?
Do I have to stay with my current lender?
What happens if I do nothing?
Will I need to pay any fees?
Can I switch lenders?
What if interest rates change after I've applied?
My circumstances have changed. Can I still remortgage?
Can I borrow extra money?
