Your mortgage is likely to be your single biggest outgoing, so it’s important to review it regularly.
We will contact you when you are approaching the end of your fixed rate or tie in period to avoid going on the lenders standard variable rate.
Remortgaging means shifting your mortgage from one lender to another to get yourself a better deal, even if you are not moving home.
As well as saving money, remortgaging is about getting a mortgage that works for you and your situation.
Maybe you’ve had a pay rise or inherited some money. You want to make extra payments to your mortgage but your current deal won’t let you.
Or perhaps you need to be able to miss a payment due to unexpected expenses. Changing jobs, going back into education, going travelling – whatever the reason, there are mortgages which will let you take payment holidays. Our advisors can help you to find a mortgage with the flexibility you require.
If you have been told to expect a shortfall on their endowment then you need to act now, not later. You will still be responsible for paying off your mortgage on the due date!
If you are in this position, it may make sense to convert some or all of your loan to a repayment mortgage to make sure that you’ll be able to clear the debt. If this is the case, speak to one of our advisors to see how we can help
Client For Life
We have been trading for over 20 years and many of our clients have been with us since the start.
Our most rewarding and possibly favourite part of the business is being with our clients through the journey of their lives. Clients starting out as single and buying their first small property, then meeting a partner and buying on, soon followed by the inevitable need to upsize due to running out of space as children come along, to eventually downsizing.
We love to catch up with our clients and feel like we have, in some small part, helped them to achieve their dreams of where they live. It gives us a sense of satisfaction, greater than any reward and drives us to succeed. It is due to the personal service we offer our clients that keeps the clients returning to us each time.
We stay in contact with our clients each year and offer advice during the term of the mortgage. We also offer a review service towards the end of the product tie in date, to make sure the product they are using is the best for their changing needs.
If you have other debts with higher interest rates, you may wish to add them to your home loan and wrap all your debts into one. If you have a lot of outstanding debts it might make sense to add them to your home loan.
Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage. There are other ways to manage debt such as free debt advice charities.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
If you’re paying your provider’s standard variable rate (SVR), you might be paying more than the cheapest deals on the market, so it’s always worth shopping around.
Our fees and charges vary depending on the Services we provide to you. We charge a fee of up to £500 payable upon Completion. Our typical fee is £200. We will also be paid commission from the lender.
Helping you find the best mortgage for your circumstances.
You could save money, it's all about getting a mortgage that works for your and your situation.
Had a pay rise, or inherited some money? You may want to make extra payments but your current mortgage doesn't let you.
Perhaps you need to be able to miss a payment due to unexpected expenses.
10-12 Oxford Street, Daventry, Northants, NN11 4AD
Get in touch
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Affinity Mortgage Solutions Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. Registered Office: 10-12 Oxford Street, Daventry, Northants, NN11 4AD. Registered in England and Wales. Company number: 4565235