Remortgage Advice

Remortgage Advice and Remortgage Options

If you have a fixed rate mortgage and your current martgage deal ends within the next 6 months then now is the best time to start looking for a new deal. If you think interest rates might also be going up between now and the end of your mortgage deal then now is certainly the time to be looking

In the past remortgage offers lasted only 3 months. However these days Lenders will often keep their offers valid for 6 months. So you can take advantage of these mortgage deals early and secure your deal well in advance and aslo avoid a period of lapsing onto the standard variable rate to a bare minimum.

Benefits of a being a Loyal Mortgage Customer?

Your existing lender may be able to offer a new remortgage deal to stay with them but often these “retention” or “product transfer” mortgages for existing mortgage customers are often less attractive than the deals offered to brand new customers. This dark practice typifies some large corporations in a nutshell – Being a loyal customer gets you nowhere!

Lenders know if you remortgage away to a different lender you will be asked to provide new documentation so it can be a hassle to some, switching elsewhere. The lenders look to capitalise on this by offering an average product but with a good service or slick marketing – don’t be caught out by this! If the savings are minimal or non-existing then a good Broker will recommend you stay where you are but if you don’t shop around you will never know.

Choose To Do Nothing About Your Mortgage Deal!

Also, lots of customers never get round to looking for a new deal –  Ff this is you then your Lender loves you! You are paying back more each month than you need to be.

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