Mortgages

 At Health & Protection, we offer specialist mortgage advice such as…

As part of Intrinsic Financial Services we have full access to a panel of leading lenders ensuring that our clients always achieve the best deal available for their individual circumstances.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Why do I need mortgage advice?

If you are concerned about switching to a fixed or variable rate mortgage, then you can speak to a specialist to determine what the  most suitable course of action is given your personal circumstance.

 

I am already in a fixed rate mortgage, can I save money by switching out?

This is a possibility, interest rates are near record lows so there is a chance that although you may be in a fixed term mortgage contract, re-mortgaging at a lower rate may be cheaper even though there  could be an early  repayment fee on the current contract.

Remortgaging or Moving Home?

Whether you are thinking of remortgaging or moving home, seeking financial advice is one way to ensure you are not paying more than you have to.

 

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If you would like to review your current arrangements, or would like help choosing the right deal when purchasing a new property, then please contact our mortgage advisor
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We are now in a seventh year of a record low Bank of England base rate of 0.5%. Experts continue to debate when a rise can be expected, although the one thing they can agree on is that it will happen. With many competitive options to choose from, now could be the perfect time to review your current mortgage arrangements.

When the Council of Mortgage Lenders (CML) last surveyed the UK housing market in 2014 their data highlighted that 67% of all borrowers were still on the lender’s Standard Variable Rate (SVR), an increase from 49% in 2007. It’s easy to roll onto this rate when a fixed term arrangement comes to an end, even though the lenders SVR is often higher than the initial rate paid at the time of taking out the mortgage. With this in mind, if you are currently on your lender’s SVR, or will be soon, then now is the ideal time to take stock of your situation.

With so many lenders to choose from, securing the right deal when moving home can seem like a minefield.  Trying to determine which deal is the right one for you and your specific circumstances can be difficult. This is where financial advice can help.