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Are you looking to refinance or consolidate your bills and debts?
Debt consolidation is about putting all your debts into one loan such as
- Hire purchase
- Credit cards
- Car finance
- Other loans
The advantage of doing this is that you only have one payment each month so it can be easier to keep track of. Also the interest rate on a loan taken out against your home could be lower than that of many credit cards and personal loans. You do need to be careful not to get more credit card or personal loan debt after consolidating your debt or you will find yourself in the same situation.
We can negotiate your fixed rate for you
As your income and expenses and your circumstances can change, we offer a free financial review of your current situation. We recommend doing this on an annual basis - certainly a month or so before a fixed interest rate loan is due to be renewed so that your loan is structured for your income, expenses and financial goals. Buy getting the right type of loan for your financial situation you could save interest and time of paying your loan.
Your lender will send you a letter to remind you that your loan is coming off the fixed rate soon and this is a good time to give us a call. We can negotiate the interest rate on your behalf or it may be a good opportunity to let us shop around for you. Better to work with an independent broker so you are getting the product and structure right for you - not the lender.
Top-up your existing mortgage
You may need more money for renovations or home maintenance. We can work with your current bank on your behalf. You don't pay us our lenders do.
We can arrange a mortgage holiday for you
You may need to have your loan payments stop or become interest only payments for a short period.
Most of our clients use us because they want these processes done in their time and not have the hassles in acquiring the finance for themselves.