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Joe Kocsis is a UK Independent Financial Adviser, a whole of market Mortgage Broker and the Marketing Director of Money Marketing Limited a UK CeMAP mortgage training company.
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![]() UK Remortgage AdviceAn Englishmans house is his castle and for the UK homeowner with the average mortgage that is now in excess of the £150,000 it is an extremely expensive commodity. Many people do not realise that it could pay them to review their mortgages by receiving remortgage advice, move their mortgages by remortgaging on a regular basis, as the simple mathematical advantages of this could be in the thousands as a consequence. ![]() 25 Yr Fixed Rate MortgagesTheres no doubt 25 year fixed rate mortgages are more expensive than many current shorter fixed-rate deals but there are some competitive deals out there if you like the idea of fixing your rate over the longer term. If you go for a long-term fixed rate, you may be paying a little over the odds right now but should interest rates rise over the term of your mortgage then you may end up with a pretty good deal overall. Whats more, your repayments will always be protected from any future rate hikes ![]() Remortgage and the UK Self EmployedMost of us have all experienced hard times at some stage in our lives and received letters from banks telling us that they are going to charge us £27 for bouncing a cheque or non payment of a direct debit or standing order. Now is the time to hit back and take some of that money back from them by taking advantage of the discounts that they have to offer to borrowers. So, if there is massive saving around like that, why do people not remortgage more often?
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