To fix or not to fix, that’s not the only question…
We have put together this guide to give you a clear idea of what the process entails from start to finish, from initial contact to getting the keys to your dream home. Whilst every case is different, we hope it proves useful to know what to expect at each stage of the process.
Hopefully when you first used our service to purchase, you remember we explained the mortgage cycle. Whether you used our services to purchase your home or not, when you took out a deal you may have opted for a fixed rate. When that rate comes to an end its time to re-evaluate your budget, your borrowing, your term and (we suppose most importantly) what the next couple of years may hold for you and your family.
Those ingredients and many, many more factors will provide the detail for us to help you make the next step. Whether that be a flexible product, a long term fixed or the ability to port your mortgage to a new property in the future… we are here to help you determine and weigh up all these options. We do the hard work for you and switch you to that new deal, avoiding any further unnecessary costs which may be a consequence of letting your current mortgage deal expire, leaving you vulnerable to variable rates and uncertainty.
This graphic is here to explain the process in its simplest form, our advisers will work with you to fill in the rest of the gaps when you have your re-mortgage appointment.
Download our Re-mortgage GuideIf you’re still unsure whether PJS has what it takes to provide you with the best advice, check out our fantastic 5* reviews on Facebook and Google. Just search for Patrick James Solutions and give our page a like. Also have a read of some of the testimonials and reviews from our valued clients, with many returning to us for their re-mortgages time and time again.