Turn to us for advice

Quite apart from the 700,000 fixed-rate mortgages that would have reached the end of their deal rate in the second half of 2024, a further 1.8m will come to an end in 2025.
(Source: UK Finance, Household Finance Review, Q2 2024, released September 2024)

That 1.8m figure equates to over 20% of all outstanding residential mortgages; so, 2025 is likely to be quite busy.
(Source: UK Finance, June 2024 data)

Additionally, there are about 242,500 buy-to-let loans that will also come to the end of their deal period in 2025.

Furthermore, there are still many that would love to make that jump from renting to taking their first step on the property-owning ladder.

Where we can help

With over 6,400 different mortgage products out there, offering a range of options, and criteria to meet; it’s no wonder that in 2025, over 90% of residential borrowers are expected to turn to mortgage advisers, such as us.
(Sources: moneyfactscompare.co.uk, November 2024; IMLA prediction for 2025)

Existing mortgage-borrowing clients:

We would be in touch, ahead of your deal rate coming to an end, to discuss your future borrowing requirements, and would then set out the options for you.

Conversely, if you’re looking to purchase a new property, then do get in touch to see how that plays out with regard to your current borrowing arrangement.

New clients, and first-time buyers:

Again, we would run through your needs, consider your affordability situation, and how creditworthy you might be. From here we would identify the most suitable routes.

Securing a deal:

A further benefit of dealing with us, rather than going direct to a bank, for example, is that once you take up a deal rate (generally 4-6 months ahead of the existing one coming to an end), we can still switch it to a better rate (on a comparable plan) from the chosen lender.

This option is there up until the commencement of your new mortgage deal, which means you can lock-in a deal early, and benefit should rates improve. If you went direct to the lender, then it is unlikely they’d tell you that a better deal could be had.

Doing the legwork for you:

And, we can hold your hand throughout the application process, and liaise with others – such as the lender, estate agents, solicitors, and surveyors.

Credit Rating

And do check your credit rating. A credit score is designed to try to predict your future behaviour. You can check your rating at agencies such as Experian, Equifax, and TransUnion.

Or take a look at Checkmyfile, which generally brings together your results across most rating agencies:
Tel: 0800 086 9360
www.checkmyfile.com

Your property may be repossessed if you do not keep up repayments on your mortgage.