Refix time? Now’s the moment to pause

The economic landscape is shifting, another OCR announcement is just around the corner, and house prices are predicted to rise around 5% this year. With so much in flux, it’s a smart moment to pause, review, and make sure your mortgage is working for you - not the bank.

Many think the app gives the best rate, but a conversation now could unlock options you didn’t even know were possible. Your circumstances may have changed since your last refix - income, expenses, family plans, or how comfortable you feel with repayments. What worked before might not be the best fit today.

A quick chat can make a real difference. We can explore strategies like splitting your loan across different terms, building in flexibility, or even accessing cash-back offers. If you can keep your repayments steady as rates change, you could quietly shave years off your mortgage and save thousands in interest.

My role is to work for you - not the bank. I cut through the jargon, simplify the process, and help you make a plan that suits both your life now and your goals for the future.

If your refix is coming up, don’t just pick a rate in the app. Book a free, no-pressure call via my website and let’s have a chat. Together, we’ll make sure your mortgage is working for you - and your future self will thank you.

If you would like to have a play around with your numbers, take a look at our mortgage calculator here.