Hello! Can you believe Christmas is just around the corner? We are touching base with our clients to check in and make sure everything’s on track.
In this edition, we’re sharing a few quick reads. How to bust mortgage barriers when it’s time to remortgage.
Meanwhile, this month, Chancellor Rachel Reeves is expected to deliver the Autumn Budget on 26 November 2025, focusing on measures to stabilise the economy and address financial gaps. While major tax rate increases are unlikely, there could be freezes or reductions in tax reliefs. Discussions are ongoing about overhauling systems like council tax and stamp duty. Potentially introducing a more equitable annual property tax based on current values. And we could see spending priorities change across areas like defence, welfare, and public services, potentially leading to cuts.
These developments could impact your financial planning, especially concerning property, pensions, and investments. If you’d like to discuss how these potential changes might affect you, give us a buzz or send a quick email, and we’ll be in touch.
In this month’s newsletter:
Your guide to smooth remortgaging
Refinancing a mortgage isn’t always as simple as finding a lower rate. Changing incomes, property values, and tighter lending rules can all create barriers that make remortgaging more complex than expected. With many fixed-rate and introductory loans coming to an end in 2026, now is the perfect time to review your options and get organised!
Many homeowners face common barriers when considering remortgaging:
Reduced equity: If your property has decreased in value, you may have less equity available, which can affect your ability to refinance. A broker can help assess your situation and explore solutions, such as lenders that consider alternative criteria or flexible loan structures.
Serviceability and income changes: Lenders review your ability to repay a loan based on current income and expenses. Changes such as job shifts, reduced hours, or new financial commitments can make approval trickier. Brokers guide you through preparing documentation and identifying lenders most likely to accommodate your circumstances.
Credit history and existing debt: Even minor changes in your credit profile can influence refinancing options. A broker can help review your credit standing, suggest ways to improve it, and match you with products that fit your risk profile.
Finding the right product: With so many mortgage options available, selecting the right product for your needs can be overwhelming. Brokers provide expert comparisons, helping you secure better rates, lower fees, or features that match your goals.
Don’t wait until your current loan term ends – acting now can save you stress and money. Contact us today for a no-obligation mortgage review. We’ll guide you through every step, from assessing your current loan to helping you refinance efficiently. You can call, email, or book an appointment online; whichever is easiest.
Our goal is to make remortgaging simple, stress-free, and tailored to your needs. Whether you’re looking to reduce repayments, unlock equity, or simply ensure your mortgage is still the right fit, we’re here to help. Reach out now and take control of your home loan before your current deal ends in 2026.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.