March 21, 2023


Increasing interest rates make mortgage reviews an integral part of good money management. While mortgage rates may be ticking up, there are still some excellent deals and opportunities to explore. A mortgage review can help to save you money and secure beneficial mortgage terms and loan types for your current financial situation. Those most at risk are typically a generation that has grown up on interest rates of sub 2%, the sudden increase can place an enormous strain on a family budget. In previous years, the bank of Mum and Dad has been one of the top 5 biggest lenders but with house prices predicted to drop in 2023 this may not be a viable option.

Following the impact of the so called “mini-budget” in September, rates on borrowing had jumped, they have however started to move down as speculation is growing that the Bank of England will not raise the base rate as high as had been expected back in 2022.

It is important to remember that mortgages have a long life-span and as changes occur, it might be necessary to adjust your mortgage terms in order to maximize financial benefits. It is just as important for landlords, any finance arrangements should be reviewed on a regular basis, ensuring that you are maximizing the potential return on investment while respecting your ability to fulfil payment obligations.

Albert Goodman Financial Planning offer whole of market, independent mortgage advice, speak to us today about your options.

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


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