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When you come to the end of your introductory deal, which usually lasts for between two and five years, you could be tempted to start looking at remortgaging in order to find another deal that will provide you with a lower interest rate rather than just allowing your mortgage to move onto your lender’s standard variable rate. As with all financial transactions it will depend on your specific circumstances as to whether it is more cost effective to remortgage or more cost effective to just stick with your variable rate.
When you come to the end of your introductory deal, which usually lasts for between two and five years, you could be tempted to start looking at remortgaging in order to find another deal that will provide you with a lower interest rate rather than just allowing your mortgage to move onto your lender’s standard variable rate. As with all financial transactions it will depend on your specific circumstances as to whether it is more cost effective to remortgage or more cost effective to just stick with your variable rate.
While there are plenty of cases where remortgaging will save you money, there are also other situations when remortgaging will actually cost you more in the long run. If you have a relatively small amount of mortgage left you are likely to find that the amount you will save on the lower interest payments will actually be less than it costs to move your mortgage. If you are considering using an uplift in your mortgage in order to consolidate debts, you should think very carefully about this as if you are on a 20 to 25 year repayment term you will find that you will actually end up paying significantly more in interest payments than if you keep your debts separate. Rather than consolidating debts, such as credit cards, into your mortgage you would be better off looking at alternative debt consolidation methods that are not as long term.
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