Get In Touch

Find out what we can do to help you with your finances. Get in touch with us today!

Contact us

As with many financial products, you are unlikely to be rewarded for loyalty by being with the same provider for 10-15 years……Sticking with your current lender after the end of your introductory discounted interested rate may seem less hassle, but considering the wealth of products and lenders in a competitive market, why would you not look for a better rate by re-mortgaging to save you money, especially considering we will do the hard work for you!


Another example whereby you may need to re-mortgage to consolidate other debts into one simple, and more affordable payment plan.


It is worth noting that a re-mortgage is not the best option in all cases, and we will also advise you of this if this is the case at no cost to you.


Please note that even if the lender you are considering switching to is offering a lower APR, you must take into consideration the following:


  • Fees - The new lender may charge you for valuation and/or solicitors fees, even if you have already paid these for your mortgage with this lender previously. 


  • Repayment Period - If you switch mortgage - remember to look at the overall repayment period. You may be able to pay less monthly, but check the final repayment date of the mortgage as the term may be longer.


  • Early Repayment Charges - Many lenders include Early Repayment Charges in their products, so this should be considered when re-mortgaging. 


  • Product Transfer - Also, we may be able to switch your mortgage deal with your current lender for you free-of-charge, avoiding any unnecessary costs. Many lenders will allow you to switch your mortgage deal reasonably frequently.


Debt consolidation is not always the most suitable option, and must be carefully considered. It will usually mean that you pay more interest over a longer repayment term, and there may also be early repayment penalties on your current mortgage. Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.


There are other ways to manage debt such as free debt advice charities, and you can find out more by contacting the Money Advice Service at