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All mortgage products have a period for which the initial deal will run, for example a 2 year discounted rate or a 5 year fixed rate. At the end of the deal period the mortgage reverts to the lenders Standard Variable Rate, which can often be uncompetitive in the market.

For all our clients we ensure we contact them usually 3 months in advance of their deal period expiring, ensuring that we consider the best options for them once again.

If you are not moving home it often may not seem that important to consider if you have the best deal, but traditionally you could be paying as much as 2% more than if you looked for a new deal.

Our first role is to consider the best deals with your existing lender and then to consider your options with other lenders so you can see once again which is the most suitable deal for your circumstances. If you are currently on the Standard Variable rate please contact us and we will help you determine the best deal for you today.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For mortgage advice we can be paid by commission from the lender or we can charge a fee of typically 0.5% of the loan amount.

Mortgages, Bentley Holmes, Independent Financial AdviceMortgages, Bentley Holmes, Independent Financial Advice