Refinancing

You've been with your bank for a while and it's time to review your mortgage. Your bank should do this with you every year at least. If you haven't heard from them other than to send you unsolicited offers of more money (dangerous without a review), then it's time you did.

Since you took out your loan two things have changed: your situation and the market. What suited you best then may not be best now. Do you fix or float? If you fix, how long? What about a split loan? Flexible facility? Maybe recombine some loans? You won't know unless someone takes a look.

We'll give you a free review and let you know what your best options are. Most times it involves staying with your current bank. Sometimes, we'll advise you to change if it means a better deal for you. Either way you will be able to make an informed decision.

Consolidating

You have a home loan, an HP on the TV, a car loan, a personal loan at the bank because they offered it to you, a couple of interest free loans from the appliance store because it isn't costing you anything (it is actually, see below*) and a store card that you can't quite pay off. Let's not mention the maxed out credit card(s).

The bathroom needs doing up and you are feeling the pressure of the payments on all these loans. Your home has gone up in value, so...

STOP!

The fastest track to poverty in later life is to string short term, high interest debt on consumables that will need replacing long before you've paid them off, on to low interest, long term housing debt. You will never get ahead by eating your future.

If you are in a similar position as outlined above, then there are ways to consolidate high interest debt in to a low interest housing loan without the adverse consequences.

Consolidation carried out correctly can also assist you getting the home loan you need if you're wanting to upgrade to a better house.

We will NOT consolidate consumer debt so you can get some more.

Topping Up your Home Loan.

If you've resisted all the tempatation to take out consumer debt but would like to use the extra value in your home to improve your lifestyle or make some improvements to your house, then we can arrange a sensible top up with a sensible repayment plan. We will look to your own bank to provide this in the first instance, but at the same time, we will review your situation and may advise you to change banks if it will give you a better deal. The choice will be yours.

Call now to arrange a free review.