Coming to the end of your mortgage deal?

Across 2022 and 2023, around 1.3m and 1.8m borrowers, respectively,* will see their fixed rate mortgage deals come to an end.  That accounts for almost half of all fixed rate borrowers!  If they don’t act, they could end up on their lender’s Standard Variable Rate.
(Source: *UK Finance, September 2022)

Many of those borrowers are likely to face a financial shock, with the average 2-year fixed rate increasing (at the time of writing) by around a 4% interest rate against two years ago. If they were borrowing £100,000 at the average fixed rate, over 30 years, then the extra payments might be about £250 more a month.
(Source: Moneyfacts, November 2022)

Cost of Living

Couple this with the rise in energy costs, and other expenses, and they have a double whammy of finding more money to pay both the mortgage and bills, than was the case a few years back.

Do we have a solution?

There’s no escaping rising costs, but we can help in a number of ways:

– Ideally, don’t revert to your lender’s, generally, more expensive Standard Variable Rate.

– Don’t wait until your deal rate ends. Talk to us 6 months ahead of that date. And, in the current marketplace we might be able to secure a more suitable deal than what may be on offer 6 months down the line.

– And we can hold your hand through-out this process…
Helping to assess the options between staying with a new deal with your current lender, or one elsewhere.
Assist with all the paperwork.
Liaise with all interested parties: lender, solicitor, surveyor, estate agent, etc.

Please let us identify the most suitable way forward for your needs.

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