The Mortgage Advice Service could be the key getting the best deal for you
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Looking to review your current mortgage and see if you could get better deal or save money? What should be your first move? Here are four crucial things to remember:
Check out your current mortgage
Before you start the remortgage process, check your latest mortgage statement to find your balance, monthly repayment and current interest rate. Start looking 3 to 6 months before your current deal ends.
Don’t leave it too late
It’s important to try and secure a new mortgage deal before your current one comes to an end. If you don’t, your lender could move you to their standard variable rate which could cost you more money.
Consider the costs
A remortgage can incur various costs, including exit fees from your current lender, legal (conveyancing fees) and arrangement and valuation fees for the new mortgage.
Review your personal circumstances
As part of the remortgage process, think about whether your personal circumstances and financial commitments have changed since you last took out a mortgage.
Finding the right mortgage can be time-consuming and confusing. Whether you’re looking to take advantage of a Government initiative like Help to Buy, or a seasoned property pro, the team of expert advisors from Tenet Mortgage Solutions will work hard to get you the best deal for you.
Mortgage clinics are run regularly throughout the year giving you the opportunity to discuss your mortgage needs with an independent and impartial advisor. Find your nearest one here.
Important Information you need to know
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
PMGI Limited, trading as Police Mutual acts as an intermediary for the purposes of introducing its customers to Tenet Mortgage Solutions Limited, part of Tenet. You will not receive advice or any recommendation from Police Mutual. Such services which will be provided by Tenet Mortgage Solutions Limited.
Tenet Mortgage Solutions Limited will provide Police Mutual with information about the services you have received.
Calls to 03 numbers usually cost no more than to geographic numbers (01 or 02) and are usually included in call packages, please check with your phone company if they are included in your package. For your security, all calls are recorded and may be monitored.