While it’s important to search for the best deal when you originally take out your mortgage, if you don’t review it on a regular basis, you may end up paying much more than necessary. 

If you are coming to the end of your fixed or discounted rate, it is a good time to consider your next move. If you do nothing, your mortgage will probably revert to your lender’s standard variable rate (SVR), which will invariably be considerably higher than the rate you are paying, so your monthly payments will increase.

Likewise, if you haven’t remortgaged in a while and are already on the SVR, you are probably paying more than you need to. Given the mortgage is most people’s biggest monthly outgoing, it makes sense to keep payments as low as possible.

SPF is a whole-of-market mortgage broker, which means we have access to all the lenders on the market, rather than a limited panel which is the case for some mortgage brokers. We recommend mortgages from more than 90 lenders every year and have access to 15,000 mortgage products.

We make the process as stress-free as possible, using our knowledge to identify the best lender for your circumstances, and then do all the hard work managing the transaction on your behalf. You have direct access to your adviser, who will help you fill out the forms and manage your application from start-to-finish. It really does speed up the whole process and makes it as hassle-free as possible.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

We may charge a fee for the advice we provide; this fee will be dependent upon your personal circumstances and will be agreed with you after we have fully understood your requirements. Any fee is usually payable upon successful completion of your mortgage.