Your mortgage is likely one of your biggest monthly commitments. That’s why we always recommend reviewing your deal at least six months before it finishes. This gives us time to explore your options, secure a new deal, and avoid you falling onto your lender’s higher Standard Variable Rate (SVR) which could mean paying a lot more every month.
At Clever Mortgages, our customers are at the heart of everything we do. Here are some ways we can help you make the most of your mortgage:
Product Transfers
If your current deal has ended, or is about to, we may be able to save you money by switching you to a better deal with your existing lender, with minimal fuss.
Benefits of switching with us:
- We’ve helped you before and can do it again
- Peace of mind from a team who really understands your situation
- We take away the stress and hassle of dealing with lenders directly
- Access to a comprehensive range of mortgages
- Specialist knowledge in getting mortgages where others can’t
- Access to specialist lenders, not just the High Street
Borrowing More
Need extra funds for home improvements, consolidating debts, or a big purchase?
We’ll compare your current lender’s options against the wider market to ensure you get the best deal. If you’re tied into your current mortgage, we can also look at secured lending solutions.
Financial Difficulties
We know life isn’t always smooth sailing. If you’re struggling, we can:
- Review your mortgage to see if savings can be made
- Connect you with one of the UK’s largest debt management companies for tailored support
Moving Home
Thinking of moving? You may be able to port your existing mortgage, or it could be better to switch altogether. We’ll explore all the options so you can move with confidence.
Releasing Equity
If you’re over 55 and have little or no mortgage left, you may be asset-rich but cash-poor. An Equity Release Mortgage could free up funds for retirement, home improvements, or helping family members financially.
Change in Circumstances
Life changes, and your mortgage should adapt too. Whether it’s removing a name after separation, raising funds to buy out an ex-partner, or making changes to suit your new situation, we’re here to advise.
Protection Review
As we grow older, our protection needs change. From making sure your family is covered in the event of illness or death, to planning for inheritance tax, we’ll review your cover and provide competitive quotes to fit your budget.
We can also refer you to trusted professionals for that all-important Will.
The Bottom Line
Don’t wait until your deal ends, by acting early, you’ll have more choice, less stress, and potentially save a significant amount of money.
📞 Get in touch with us today to book your mortgage review.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.