Mortgage rate reductions explained by a mortgage adviser in Essex
Mortgage rates can change after you have secured a deal. This guide explains when a lower rate may become available, how rate reductions can work before completion, and why reviewing your mortgage before it starts can be worthwhile.
What Is a Product Transfer Mortgage and Is It Better Than Remortgaging in 2026?
A product transfer lets you switch to a new mortgage deal with your existing lender, usually without moving lender. This guide explains how product transfers work and when they may be worth considering.
Product Transfer Mortgages Explained
If your current mortgage deal is coming to an end, you may be wondering whether to take a product transfer or look at a remortgage instead. A product transfer means switching to a new deal with your existing lender rather than moving to a different lender. It can be a simple option in some cases, […]
How I Helped A Landlord Tidy Up Multiple Buy To Let Loans
A landlord came to me feeling that their buy to let mortgages had become difficult to keep on top of. The details are anonymised, but the situation itself is very real and something I regularly see with portfolio landlords across Essex. They owned several properties, each with a different lender, a mix of fixed and […]
The Biggest Mistakes I See When People Try To Remortgage On Their Own
A lot of people try to handle a remortgage on their own because, on the surface, it looks simple. Your deal ends, you compare a few rates online, and you move on. That is completely understandable. Most people want to save time and avoid involving yet another person in the process. But over the years, […]
Should You Remortgage or Take a Product Transfer
What Is A Remortgage When your fixed mortgage rate comes to an end, many homeowners find themselves asking the same question: should I remortgage or take a product transfer? It is a decision that can have a real impact on your monthly payments, long-term costs and flexibility, yet it is often made without fully understanding […]
How Mortgage Product Transfers Work
As a mortgage advisor I’m often asked about product transfers, and whether they are the right option. Put simply, a product transfer is when you stay with your current lender, but move onto a new mortgage deal. It’s important to get this right, as it gives you the chance to secure the best rate without […]
When Should You Remortgage Your Home?
Wondering when to remortgage? Clarity Mortgage’s Ian Smith shares some key signs that it might be time to switch, including rising rates, releasing equity, and securing better deals.
THE DIFFERENCE BETWEEN A REMORTGAGE, AND A PRODUCT TRANSFER
Remortgaging means moving your mortgage to a different lender, while a product transfer keeps you with your existing lender on a new deal. This guide explains the main differences and what to consider with each option.