Getting the right deal when you buy your home is crucial as getting it wrong can cost thousands. But that is not where it ends, just like your car insurance or utility suppliers, when your current deal comes to an end it is vital you shop around to get the right deal and not just accept what is being offered by your current lender.

Letting us examine what is on offer from your current provider and then compare that to all your other options can save you a significant amount of money.

It is also important not to wait until your current deal ends before taking action as your lenders Standard Variable Rate, which is what you will automatically move to once your current deal ends could be far more expensive than a new product from a new provider or even your current lender.

Many people do not realise they can apply for a remortgage up to six months before their current product ends. Getting in early and securing a rate can protect you against rate increases before you switch products.

When remortgaging you can pay off a lump sum and reduce your borrowing, borrow the same again to just replace your current deal or increase your borrowing to raise funds for things like home improvements or paying off expensive credit commitments.

Whatever route you are taking professional advice and support from us will ensure you get the right borrowing and product for you. This is also an excellent time to conduct a full review of all the protection you have in place to make sure it suits your current needs and goals.

Think carefully before securing other debts against your home – by consolidating your debts into a mortgage, you may be required to pay more over the entire term than you would with your existing debt which could increase the amount of interest payable overall