In the current climate having access to sound professional advise has never been more key and by using a mortgage broker you can gain access to the whole of market if their licensing allows it. One Stop is a broker that offer you a ‘whole of market’ offering.

As you approach the end of your deal term reviewing your mortgage arrangements in a timely manner is a pre-requisite of good financial planning. These days we recommend reviewing your mortgage arrangements at least 6-7 months before the end of your deal so that we can weigh up the pros, and cons, of a customer retention deal over a full re-mortgage.

It may be viable to transfer to a more competitive product with the same lender. However, it may not be possible to transfer to a product with your existing lender, at the end of your fixed or discounted rate period, because you no longer fit their lending criteria due to changes in lending policy.

Re-mortgaging to a new lender will be one of the options available to consider. There are many reasons people decide to re-mortgage i.e. to secure a better rate or to release additional capital, plus many more.

Whatever your goals, re-mortgaging away from the lenders standard variable rate (SVR) will, in most cases, significantly reduce your monthly repayments or possibly be a more cost effective way to generate additional funds. In recent years re-mortgaging has become more popular as more borrowers have recognised the benefits and are more financially savvy.

At One Stop Finance we source the most competitive rate taking into account your circumstances, and the current market conditions, in the least possible time.

Further Information

As a Whole of Market mortgage broker, we have access to the whole of market and can compare mortgage schemes from High Street lenders, broker only lenders, Private Banks, smaller building societies or specialist loan providers. As part of the Quilter Financial Planning network, we have access to exclusive products which aren’t available on the high street, which can make a real difference.

All our professional advisers are here to act for you, first and foremost, to help you choose the most suitable mortgage, and guide you through the process with ease.

Our Advisers and support staff are here to help smooth the process from start to finish.

For more information please call us on 020 8441 2605 or 01442 232 272.

Alternatively, for our enquiry form,

Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.