Busting remortgaging myths.

Your circumstances have changed – will you be able to remortgage? We all know life doesn’t stay the same. Our jobs, our relationships, our financial circumstances, they all evolve over time. So if our lives are constantly changing, why should our mortgage stay the same? Your life may have completely altered since you last remortgaged. […]

Should you stay with your lender?

Staying with your current lender may feel like the safest option when your mortgage comes to an end, but that’s no guarantee that you’ll be getting the best deal. That’s why we recommend shopping around to get a mortgage that’s fits you. When there is such uncertainty in the housing market at the moment, you […]

Why plan ahead of your fixed rate ending?

The earlier you plan your remortgage, the more mortgage options you have! And in the current economic climate, it really does pay to know your options. An expert adviser can find the deal for you. If you’re due to remortgage in the next year or so, take a look at our handy list of does […]

Should I remortgage when my fixed rate ends?

The short answer? Yes. If you don’t remortgage at the end of your term, you will be automatically transferred to your lender’s standard variable rate, which tends to be higher than the rates on most other mortgage options. So if you’re coming to the end of your fixed rate mortgage deal, it’s worth shopping around […]

Life after your Fixed Rate mortgage

Life after your Fixed Rate mortgage. What happens when your mortgage deal expires? If the end of your fixed rate mortgage is on the horizon (even if it’s months away), then it’s a good idea to start looking at your options today. If you haven’t got a new deal in place when your fixed rate […]

The pros and cons of 40-year mortgages

The UK mortgage market has a wide selection of both variable-rate and fixed-rate mortgages.  It also has other niche mortgage products such as offset mortgages.  One of the more recent entrants to the market is the 40-year mortgage on a fixed rate.  In principle, this offers long-term certainty.  In practice, it has significant, potential drawbacks […]

How To Manage Your Money When You Have A Mortgage

Managing your money is something you should always take seriously.  It becomes even more important when you have a mortgage.  Getting into financial difficulties could lead you to lose your home.  With that in mind, here are some useful tips on how to manage your money when you have a mortgage. Prioritise insurance The whole […]

Will Interest Rates Go Up Or Down In 2023?

The change from one year to the next is often a time when people think about what the future will bring. One of the key questions for this year is the question of what direction interest rates will take. The answer to this question will depend on two main factors. These are government policy and […]

Is It Still A Seller’s Market?

The introduction of the SDLT (Stamp Duty) holiday sparked a frenzy in the housing market. Realistically, it was only to be expected that the end of the tax break would lead to a slowdown. Just like people, there’s a limit to how long markets can run at maximum speed. The key question, however, is, how […]

Time For The Self-Employed To Have A Mortgage Checkup

If you’re self-employed and a homeowner or (potential) homebuyer, then now is the perfect time to have a mortgage check-up.  After the last few years with Covid-19, inflation and cost of living increases, your financial situation may not be the best.  Don’t, however, let that deter you from securing your best deal.  Instead, use your […]