If you're contemplating the idea of refinancing your mortgage online, the process has never been more straightforward, thanks to the convenience provided by various banking apps. With just a tap of a button, you can effortlessly refix your mortgage and secure a new rate. While this simplicity is great, it's important to understand that opting for this route results in a permanent decision, and there's a possibility that you may not be securing the best deal.
At Better Choice, we encourage you to view the refixing of your mortgage as an excellent opportunity to assess the market and ensure that your mortgage aligns with your current needs, while securing the best available deal. While the prospect of navigating this process might seem overwhelming, our dedicated team is here to assist. Given our daily interactions with the various banks, we possess the insights into the best deals and options available, allowing us to identify the ones that might be the most suitable for you—even if it means considering a different bank.
Beyond merely securing a new interest rate, refixing is an ideal time to reassess your loan structure. Given recent financial changes such as increased inflation, interest rates, and living costs, a closer look at your mortgage structure could potentially alleviate some of the current stress. Our range of options includes fixing your entire mortgage, opting for a floating rate, or even splitting your mortgage across different structures.
When the refixing window approaches, it's important to not to rush into decisions. Instead, get in touch with our experienced mortgage advisors who can help you determine the best course of action for your unique situation. Initiating this process a couple of months before the fixed-rate expiry date enables us to thoroughly explore all available options and select the most suitable one for you.
We recommend capturing screenshots of the interest rates offered by your current bank for online refixing, which then allows us to make comparisons with other lenders and rates within our network. Additionally, we can provide valuable insights into the current market trends and future projections, allowing you more knowledge to support your decision-making process.
Trust Better Choice to guide you through the journey of mortgage refixing, ensuring you make choices that align with your financial goals and provide peace of mind for the future.
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