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Rate Chasing

Most people are still paying the standard variable rate on their mortgage when a cheaper rate is available. Get a comparison to your existing mortgage rate/repayments to ensure that your are getting the `best` deal for your circumstances.

You can change your mortgage as many times as you like during its term to keep the payments as low as possible or keep your payments the same, pay less interest and clear your mortgage early!

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Nicholas Hall is an adviser with Julian Harris Mortgages Limited who are authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up payments on a mortgage or loan secured on it. Written quotations available on request. All loans are subject to status. Some loans may require assignment of life assurance. Residential Mortgage transactions will not incur a broker's commission fee. THE STERLING EQUIVALENT OF YOUR MORTGAGE UNDER A FOREIGN CURRENCY MORTGAGE MAY BE INCREASED BY EXCHANGE RATE MOVEMENTS. Think carefully before securing other debts against your home.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.
Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk