Save your cash, don’t give it to the lender!

If you are on your lender’s Standard variable rate (SVR) you could be paying too much.

A mortgage is usually the single biggest expenditure, so cutting its cost is likely to be your biggest single saving. It makes sense to shop around to get a better deal with another lender when your existing deal has come to an end. Our adviser will recommend a new deal for you, selecting the most suitable rate from the whole of the market and then process it through to completion. Southside Mortgages is part of a larger network of advisers and we often have access to exclusive mortgage products that are not available direct form lenders.

Contact us a couple of months before your existing rate finishes, so that we can set it all up in good time.

If you are on your lender's standard rate then now could be a good time to remortgage to a fixed rate deal allowing you to budget your monthly finances and guard against rising mortgage costs.  You may even want to raise money for one of the reasons below.

• Capital Raising for;
• Home improvements
• Large purchases
• Divorce settlements
• Debt Consolidation

It´s recommended that you speak to a mortgage adviser to ensure that you are aware of the implications of debt consolidation.

• Your mortgage just might not fit any more

By this we mean that your mortgage needs have changed, you may be earning more and want a mortgage which allows greater flexibility, like a current account mortgage or want to offset your mortgage against your savings. Our adviser will make sure you have the full range of advice and recommend the best solution.