The mortgage we recommend will be the most suitable for you on the day you apply based on the information you have provided to us.
We are aware that your personal circumstances are likely to change significantly over time. Most of our clients like to review once a year, or near the end of a special term on their mortgage because protection products and prices on offer can change, new innovations produce more suitable solutions, and better claims history can impact pricing positively.
Property prices change, affecting the level of a property's equity. There is also an almost daily change in the mortgage products in the UK market. By not reviewing, a client could miss out on a better mortgage deal that may not have been available at the time of their last review
Changes in income and expenditure (as well as inflation) can impact the real value and financial impact of any insurance and protection clients may have in place.