08/07/2026
🏡 The value of mortgage advice doesn’t stop once your offer is issued.
A lot can change between receiving your initial mortgage offer and exchanging contracts.
As advisers, we continue to monitor the market throughout the home-buying journey. If rates improve and your lender releases a more competitive product, we’ll always look at whether switching is in your best interests.
Here’s a worked example:
A client purchasing their next family home with a mortgage of £580,000 initially secured a 5-year fixed rate at 5.04%.
Before exchange, new rates became available and we were able to switch them to 4.73%, reducing their monthly payment by £84.34.
✅ £84.34 saved each month
✅ £1,012.08 per year
✅ Just over £5,000 over the initial 5-year fixed period*
It’s a great reminder that mortgage advice isn’t just about finding a deal - it’s about continuing to support our clients from initial recommendation right through to exchange and completion.
If you’re buying your next home, remortgaging or simply want to review your options, we’d be delighted to help.
📩 Get in touch to see how we can help you.
*Worked example based on a £580,000 mortgage. Savings shown are illustrative and individual circumstances, lender criteria and product availability will vary. Your home may be repossessed if you do not keep up repayments on your mortgage.
