When a fixed-rate mortgage comes to an end, most people take the same first step: they speak to their existing lender and look to move onto a new deal. It’s familiar, convenient, and often feels like the easiest option.
In this video, John shares a perspective shaped by years of experience in the mortgage market; one that highlights how much the landscape has changed, and why convenience doesn’t always equal value.
The conversation touches on the importance of taking a step back before making decisions, especially when your financial position, goals, or circumstances may look very different from when you first secured your mortgage.
Sometimes, a short conversation with the right professional can help clarify whether staying put makes sense or whether there are alternatives worth considering.
