No matter how attractive a mortgage offer looks initially it’s probably best not to be tied to a lender too long.

If there’s a better deal out there, we believe our customers are entitled to it.

Let’s say your initial mortgage benefit period comes to an end and suddenly an extra £400 is exiting your account every month. What should you do?

At Havering Financial Consultancy we believe re-mortgaging means more than finding a better rate. It means considering your next few years and assessing the best course of action. Our advanced database tracking system lets us know when your special rate is about to end and we will, with your permission, contact you beforehand to discuss the best way forward.

For example, why move to a lower monthly rate if the penalty incurred takes years to repay based on the amounts saved each month. Especially if you’re planning to move again shortly.

We analyse the total cost of re-mortgaging: how long it takes to recover the cost and which mortgage deal provides the best option overall. Sometimes that means doing nothing.

Our advisers will inform you of any new schemes we feel may benefit you during the lifetime of your mortgage.