When white privilege even extends to men who shoot 7 cops on a Wednesday evening

Late yesterday afternoon, at around 4pm, police officers in Florence, South Carolina went to serve a search warrant on an affluent white home there. They have not yet released the details on what the…

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Free up money and reduce your monthly mortgage costs by remortgaging.

Remortgaging your home doesn’t have to be complicated.

And it can save you thousands of pounds over the lifetime of a mortgage and hundreds of pounds each month.

Many people decide to take out a new mortgage on their property for eight main reasons:

Your current mortgage deal is about to end.

Most of the best mortgage deals are limited to between two and five years, at which stage you’ll likely be put on the lender’s less-than-attractive SVR (Standard Variable Rate).

This is an ideal time to remortgage and potentially make huge savings

Your current mortgage deal is about to end.

Most of the best mortgage deals are limited to between two and five years, at which stage you’ll likely be put on the lender’s less-than-attractive SVR (Standard Variable Rate).

This is an ideal time to remortgage and potentially make huge savings

You want to overpay your mortgage, but your current lender won’t allow you.

Lenders make their money through interest rates over the lifetime of a mortgage.

So, unsurprisingly, some lenders aren’t thrilled about homeowners paying their mortgages off sooner.

You’re worried about a hike in mortgage interest rates.

Interest rates can go up and down depending on how the economy performs.

And a hike in your interest rates could mean a significant increase in your monthly repayments, which is why some choose to remortgage and find better interest rates.

You want to switch a repayment mortgage from an interest-only mortgage.

If you’ve only been paying back the interest on your mortgage, you might now be ready to start a full repayment mortgage.

The value of your home has significantly increased.

If your house has significantly increased in value since you initially took out your current mortgage, then you might consider remortgaging.

That’s because you are more likely to be now in a lower LTV (Loan-To-Value) band and can benefit from lower rates.

You want a flexible mortgage that fits better with your current lifestyle.

Our lives are ever-changing.

What was perfect five years ago might not work for us today.

Perhaps you’re going back to full-time education, thinking about travelling for a year or changing jobs.

Whatever the reason, you might want payment holidays, and you’ll want a flexible mortgage that fits your lifestyle.

You want to borrow more money.

Remortgaging can free up money in your home that you could put towards home improvements, holidays, a new car or even debt consolidation.

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