{"id":749,"date":"2020-11-16T08:26:20","date_gmt":"2020-11-16T07:26:20","guid":{"rendered":"https:\/\/pfadvisors.co.uk\/?p=749"},"modified":"2023-03-28T10:29:14","modified_gmt":"2023-03-28T08:29:14","slug":"your-mortgage-matters-dont-put-your-head-in-the-sand","status":"publish","type":"post","link":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/","title":{"rendered":"Your mortgage matters \u2013 don\u2019t put your head in the sand"},"content":{"rendered":"<p><em>Recent estimates suggest that as many as one million borrowers have lapsed or will lapse onto their lender\u2019s expensive default mortgage rate this year. It makes sound financial sense to make sure you are on the most competitive deal for your circumstances.<\/em><\/p>\n<p><strong>Inertia doesn\u2019t pay<\/strong><\/p>\n<p>If your current tracker, fixed rate, or discount mortgage deal has ended, or will end this year, you may find you\u2019re automatically switched onto your lender\u2019s Standard Variable Rate (SVR) and could be paying way over the odds, perhaps without even realising. SVRs do not normally offer the most competitive rates and with SVRs usually linked to a percentage above the bank\u2019s base rate, the rate can rise and fall, making anyone on an SVR vulnerable to interest rate rises in future.<\/p>\n<p><strong>Take advantage of record low mortgage rates <\/strong><\/p>\n<p>After two Bank of England rate cuts brought the Base Rate down to 0.1% earlier this year, mortgage rates have remained at record low levels, so it makes sense to \u00a0shop around to see if you can get a better, more cost-effective mortgage deal.<\/p>\n<p><strong>Don\u2019t delay<\/strong><\/p>\n<p>It can take a couple of months to complete the remortgage process, so it makes sense to act sooner rather than later. Don\u2019t worry if you\u2019re currently locked into a mortgage deal that has exit charges; you don\u2019t have to wait until it has come to an end, as we can help you find a deal before your lock-in period finishes.<\/p>\n<p><strong>Good advice pays <\/strong><\/p>\n<p>Remortgaging won\u2019t be right for \u00a0everyone, but we can advise you on whether it\u2019s a suitable option for you, explaining the costs and any potential implications along the way. In a complex environment, getting good advice can really pay \u2013 so get in touch and we\u2019ll guide you through the process.<\/p>\n<p>\ud83d\udea8 Data accurate as of the date of publication \u2013 16.11.2020.<\/p>\n<p>\ud83d\udea8 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.<\/p>\n<p>Source: Quilter Financial Planning \u2013 Essentially Mortgages Q4 2020<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recent estimates suggest that as many as one million borrowers have lapsed or will lapse onto their lender\u2019s expensive default mortgage rate this year. It makes sound financial sense to make sure you are on the most competitive deal for your circumstances. Inertia doesn\u2019t pay If your current tracker, fixed rate, or discount mortgage deal [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":746,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-749","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your mortgage matters \u2013 don\u2019t put your head in the sand - Prestige Financial Advisers<\/title>\n<meta name=\"description\" content=\"Kredyt hipoteczny w UK. Ostatnie szacunki sugeruj\u0105, \u017ce w tym roku a\u017c milion po\u017cyczkobiorc\u00f3w znajduje si\u0119 lub wkr\u00f3tce znajdzie si\u0119 na drogiej..\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your mortgage matters \u2013 don\u2019t put your head in the sand - Prestige Financial Advisers\" \/>\n<meta property=\"og:description\" content=\"Kredyt hipoteczny w UK. 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Ostatnie szacunki sugeruj\u0105, \u017ce w tym roku a\u017c milion po\u017cyczkobiorc\u00f3w znajduje si\u0119 lub wkr\u00f3tce znajdzie si\u0119 na drogiej..","og_url":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/","og_site_name":"Prestige Financial Advisers","article_published_time":"2020-11-16T07:26:20+00:00","article_modified_time":"2023-03-28T08:29:14+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/pfadvisors.co.uk\/wp-content\/uploads\/2021\/05\/PFA-blog-Twoj-kredyt-hipoteczny-w-UK-ma-znaczenie.png","type":"image\/png"}],"author":"pfadvisors","twitter_card":"summary_large_image","twitter_misc":{"Written by":"pfadvisors","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/#article","isPartOf":{"@id":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/"},"author":{"name":"pfadvisors","@id":"https:\/\/pfadvisors.co.uk\/en\/#\/schema\/person\/e4491d3e79a4bcbd0c5b052096591713"},"headline":"Your mortgage matters \u2013 don\u2019t put your head in the sand","datePublished":"2020-11-16T07:26:20+00:00","dateModified":"2023-03-28T08:29:14+00:00","mainEntityOfPage":{"@id":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/"},"wordCount":375,"image":{"@id":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/#primaryimage"},"thumbnailUrl":"https:\/\/pfadvisors.co.uk\/wp-content\/uploads\/2021\/05\/PFA-blog-Twoj-kredyt-hipoteczny-w-UK-ma-znaczenie.jpg","articleSection":["Archive - Articles from 12 months ago"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/","url":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/","name":"Your mortgage matters \u2013 don\u2019t put your head in the sand - Prestige Financial Advisers","isPartOf":{"@id":"https:\/\/pfadvisors.co.uk\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/#primaryimage"},"image":{"@id":"https:\/\/pfadvisors.co.uk\/en\/your-mortgage-matters-dont-put-your-head-in-the-sand\/#primaryimage"},"thumbnailUrl":"https:\/\/pfadvisors.co.uk\/wp-content\/uploads\/2021\/05\/PFA-blog-Twoj-kredyt-hipoteczny-w-UK-ma-znaczenie.jpg","datePublished":"2020-11-16T07:26:20+00:00","dateModified":"2023-03-28T08:29:14+00:00","author":{"@id":"https:\/\/pfadvisors.co.uk\/en\/#\/schema\/person\/e4491d3e79a4bcbd0c5b052096591713"},"description":"Kredyt hipoteczny w UK. 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