Remarkably, in an era when so many of us shop around to find the best available deals on our car insurance, utility bills and will spend hours trying to shave a few pounds off holiday flights, would you believe that 58% of people have never remortgaged to a better deal on their home?

Here at The Financial Planning Group we are proud to be able to offer our customers the best possible deals from lenders across the whole market, and are able to work with home owners to save them £1000s over the term of their mortgages.

Six months before your current deal ends we can ring fence your next low rate deal so that no matter what happens in the money markets, you can be confident on not missing out. And right now there’s some very tempting deals on offer.

For example, Bank of Ireland has some new products, including a two-year fix at 1.19 per cent up to 60 per cent Loan To Value (LTV) with a £995 fee and a free valuation. At 85 per cent LTV the rate is 2.28 per cent.

Coventry has also released some attractive products, including a five-year fixed offset at 1.89 per cent with a £999 fee to 50 per cent LTV, and a 2.05 per cent standard five-year fix with no fee or 1.99 per cent with a £999 fee to 75 per cent LTV.

Scottish Widows Bank is really coming to the fore, cutting fees on its remortgage range to £749 and offering a new 50 per cent LTV banding with rates from 1.19 per cent for a two-year fix.

Meanwhile, Leeds Building Society has reduced a number of rates, with up to 0.2 per cent knocked off interest-only products, while Barclays has made changes to its Help to Buy remortgage lending policy to make it easier for applicants.

If you would like to speak about your mortgage or re-mortgage, and secure one of the record low deals that are currently available, please feel call Steve Padgham on 020 8614 4782 or email

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