{"id":2377,"date":"2019-08-23T09:46:09","date_gmt":"2019-08-23T09:46:09","guid":{"rendered":"http:\/\/www.fpgonline.co.uk\/?p=2377"},"modified":"2023-09-19T10:34:54","modified_gmt":"2023-09-19T10:34:54","slug":"staying-proactive-with-your-mortgage-deal","status":"publish","type":"post","link":"https:\/\/www.fpgonline.co.uk\/index.php\/staying-proactive-with-your-mortgage-deal\/","title":{"rendered":"Staying Proactive With Your Mortgage Deal"},"content":{"rendered":"<div class=\"\">\n<p>&nbsp;<\/p>\n<p>Further calls have been made for Banks and Building Societies to better inform their customers when discounted loan deal periods are set to expire \u2013 with a \u2018four month notice\u2019 alarm sounding rather than allowing homeowners to sleepwalk into extra standard variable rate costs.<\/p>\n<p>Mortgage lenders often promote discounted rates at the start of a loan agreement \u2013 typically three or five years \u2013 with the remaining years of repayment set at a standard rate, perhaps one or two percent higher than the fixed rate. Unfortunately too many people fail to anticipate the rate hike and pay over the odds as a consequence.<\/p>\n<p>For example, current Standard Variable Rates (SVR) sit somewhere between 4.24% and 4.99%, therefore if a borrower has been enjoying an introductory low interest rate of between 1.89% and 2.29% during their fixed term, they could see their monthly payments jump by a third when they moved to the SVR.<\/p>\n<p>Savvy borrowers prepare in advance, and here at The Financial Planning Group, we always contact our customers in plenty of time, to not only to remind them of their mortgage deal approaching expiry, but proactively offer the best possible alternative deals available on the market.<\/p>\n<p>Steve Padgham, head of mortgages at FPG, said; \u201cAs well as having the lowest rate deals at our fingertips we can also reserve mortgages that will remain available for the next six months, which provides real peace of mind. And, if better deals emerge within that period, clients can switch to those instead \u2013 it\u2019s a real no-brainer. Regular communication with our clients is something our company is proud to offer, and it is that personable approach that, over time, will save them and there families money.\u201d<\/p>\n<p><strong>Why not give Steve a call today 020 8614 4782, or e-mail <a href=\"mailto:steve.padgham@fpgonline.co.uk\">steve.padgham@fpgonline.co.uk<\/a> , and see what options are available to you?<\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Further calls have been made for Banks and Building Societies to better inform their customers when discounted loan deal periods are set to expire \u2013 with a \u2018four month notice\u2019 alarm sounding rather than allowing homeowners to sleepwalk into extra standard variable rate costs. Mortgage lenders often promote discounted rates at the start of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2377","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Staying Proactive With Your Mortgage Deal - The Financial Planning Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fpgonline.co.uk\/index.php\/staying-proactive-with-your-mortgage-deal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Staying Proactive With Your Mortgage Deal - The Financial Planning Group\" \/>\n<meta property=\"og:description\" content=\"&nbsp; Further calls have been made for Banks and Building Societies to better inform their customers when discounted loan deal periods are set to expire \u2013 with a \u2018four month notice\u2019 alarm sounding rather than allowing homeowners to sleepwalk into extra standard variable rate costs. 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