Do you have a mortgage deal coming to an end within the next six months? Then Women & Golf's financial partner MCB Financial Services Ltd are here to help.
If your mortgage deal is set to expire within the next six months, now is the ideal time to review your options. Planning ahead allows you to secure a better rate, avoid unnecessary costs, and ensure a smooth transition when your current deal ends. Here’s why it’s essential to get started now and how MCB Financial Services Ltd can assist you throughout the remortgaging process.
Why remortgage now?
A common question homeowners ask is: why not wait until the deal is just about to expire? Here are two crucial reasons why acting early is the smarter choice:
1. Stay ahead of rate changes
Mortgage rates fluctuate frequently, sometimes even weekly. If your current deal is ending soon, acting now allows you to lock in a competitive rate. Waiting until the last minute may mean you’ll face higher rates, or miss out on a beneficial deal.
2. Allow time for assessment and setup
The remortgaging process can take time, from assessing your needs to finalising paperwork. Starting early allows you and your mortgage adviser to consider various options, ensuring you make the best choice without the pressure of a tight deadline. Plus, this preparation can prevent you from being switched to your lender's standard variable rate, which is often much higher than the rate you could secure by remortgaging.
How MCB Financial Services Ltd can help you remortgage
Remortgaging doesn’t have to be a stressful process, especially with the right guidance. Here’s how MCB can simplify and enhance your experience:
1. Personalised Mortgage Review
Your financial situation and goals may have changed since you took out your original mortgage. That’s why MCB takes the time to review your individual circumstances, understand your priorities, and find the right mortgage deal for you. With access to a wide range of mortgage products, we’ll ensure you’re matched with the best rate and terms available.
2. Early Rate Lock-in
One of the advantages of starting early is the opportunity to secure a new rate before your current deal expires. MCB can lock in a rate for you well ahead of time, ensuring you won’t be left paying the standard variable rate if you move out of your current fixed or discounted deal. This proactive approach helps you avoid unnecessary increases in your monthly payments.
3. Constant Rate Monitoring
Mortgage rates fluctuate, and securing a rate isn’t the end of the process. We continue to monitor the market and adjust your rate if rates decrease before your new deal takes effect. This ensures you benefit from any potential savings right up until your new mortgage goes live.
4. Ensuring Comprehensive Home Protection
Alongside your mortgage, it’s crucial to have adequate protection for your home. MCB can review your insurance needs and offer solutions that safeguard your investment. Whether it’s life insurance, income protection, or critical illness cover, we make sure you have the right cover in place.
A dedicated adviser at your service
Navigating the remortgaging process can be challenging, but it’s much easier with the support of a dedicated adviser. MCB pairs you with an experienced adviser who will be your personal point of contact from start to finish. They’ll answer your questions, handle the paperwork, and ensure the entire process is as smooth as possible.
Ready to explore your options?
If you’re considering a remortgage or have questions about the process, now is the time to act. Whether you want to secure a new rate, discuss protection options, or simply understand what’s available to you, MCB is here to help. Get in touch with us today to start your remortgaging journey with confidence.
Contact MCB Financial Services Ltd
Pip Heywood
Mobile: 07786 081703
Email: [email protected]
Emma McCarter
Mobile: 07833 167997
Email: [email protected]
Hannah Stoner
Mobile: 07787 446877
Email: [email protected]
By starting your remortgage journey early, you can save money, avoid the risks of rate fluctuations, and make sure your home remains financially protected. MCB Financial Services Ltd is committed to helping you make the most of your mortgage transition and find the best solution for your financial future.
