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Could You Lower Your Mortgage Payments in Time For Christmas?

Posted by on in Mortgages
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With the summer months long gone and the festive month(s) nearing, now is a good time to look at your mortgage.

If you haven’t looked at your mortgage for a while, you could be paying more than you should on your mortgage. This could because you have been transferred over to your lender’s standard variable rate (SVR). A lender normally transfers you onto their standard variable rate when your fixed rate comes to an end. Allowing your mortgage to revert to the SVR can cost you dearly, as lenders typically hold their SVR at a significantly higher rate. Recent research from Which? states that UK homeowners are spending £4,000 too much on their mortgages each year [1].

Lifetime Planning can review your current mortgage rate to ensure your monthly mortgage payments remain competitive and that you are taking full advantage of current low rates. The aim being to find you a new deal that could potentially give you that extra bit of savings every month – just in time for sleigh bells ringing.

Reviewing your mortgage is generally a simpler process than your initial mortgage, beginning with a quick phone call to start the process and confirm details.

You have nothing to lose (except maybe a few pounds off your mortgage) by enquiring today. For a quick chat to get started, Freephone 0800 43 53 49 or fill in our online enquiry form.

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  1. Homeowners spending £4,000 too much on their mortgages each year - Which? March 2018

Your home may be repossessed if you do not keep up repayments on your mortgage.

This firm will charge the lesser of up to £395 or 1.5% of the mortgage amount. The fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Welcome to our latest news and blogs. Lifetime Planning offer a ‘one-stop-shop’ for your mortgage and protection needs. We’ll strive to find you the most suitable mortgage and protection solutions to meet your specific needs. Call us now on 0800 43 53 49 or email us at


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Guest Friday, 15 January 2021