Is Your Fixed Mortgage Rate Ending in the Next Six Months?
Based at our Hampton Vale office, we help homeowners across the whole of Peterborough compare a product transfer with their existing lender against remortgaging elsewhere. You can meet us face-to-face, or speak with us by phone or WhatsApp. We’ll explain the options, costs and potential monthly payments before you decide.
Submitting this form will not affect your credit score. No obligation. FCA-regulated advice.✔ FCA-regulated mortgage broker
✔ Initial enquiry will not affect your credit score
✔ Clear, personalised guidance
Why You Should Act Now
If you take no action before your fixed rate ends, you may move onto your lender’s Standard Variable Rate (SVR). This could increase your monthly payments.The impact will depend on your mortgage balance, remaining term and the rates available to you.We’ll compare staying with your current lender against remortgaging elsewhere, where appropriate.
• Explore new fixed-rate options
• Stay with your existing lender or move
• Review options that may reduce your monthly payments
• Some lenders may let you reserve a new rate several months early
Why Homeowners Choose Us
Homeowners across Peterborough choose us for clear, personal advice. We are office-based in Hampton Vale, so you can meet us face-to-face, or deal with us by phone or WhatsApp. We compare suitable remortgage and product-transfer options and guide you through the process.
Broad Lender Panel
We can compare products from a broad panel of UK lenders, alongside product-transfer options from your current lender where available.
Paperwork handled
We’ll help with the application, documents and lender communication, and keep you updated throughout the process.
Clear Guidance
We’ll review your circumstances, explain suitable options and help you understand the next steps.
What We Compare For You
Lender & Deal Comparison
• Products from a broad panel of UK lenders
• Product transfers with your current lender
• Remortgage options based on your circumstances and equity
Tailored Options for Your Situation
• Repayment vs interest-only options
• Term changes to lower payments
• Overpayment features and flexibility
Speak to Paul Lammas
Paul Lammas, Cert CII(MP), is a qualified mortgage adviser at Peter Richards Financial Ltd, based at our Hampton Vale office. He helps homeowners throughout Peterborough compare a product transfer with their current lender against remortgaging elsewhere, where appropriate. You can meet Paul at the office or deal with him by phone or WhatsApp.
Review Your Options Before Your Fixed Deal Ends
Explore your remortgage and product-transfer options before your fixed rate ends. We help homeowners throughout Peterborough compare staying with their existing lender against moving elsewhere, where appropriate. Visit us at our Hampton Vale office or contact us by phone or WhatsApp. Submitting this form will not affect your credit score.
Frequently Asked Questions
Will this affect my credit score?
No. Submitting this form and discussing your initial options will not affect your credit score. If you proceed with a mortgage application, the lender may carry out a credit search.
What is a product transfer?
A product transfer means moving to a new mortgage deal with your existing lender without changing lender. We can compare this against suitable remortgage options elsewhere so you can understand the costs and differences.
Can I secure a new rate before my fixed deal ends?
Some lenders may let you reserve a new rate several months before your current deal ends. The exact period depends on the lender and product.
Do you charge a fee?
Any fee will depend on the complexity of your circumstances. We’ll explain any applicable fee clearly before you decide to proceed.
Request Your Mortgage Review
Tell us a little about your circumstances and we’ll contact you to discuss your remortgage or product-transfer options. We’ll use your details to contact you about your mortgage enquiry. Please see our Privacy Policy for more information.
Thank You — Your Details Have Been Received
An adviser will contact you shortly to compare remortgage deals and discuss your options. Your initial review is free and carries no obligation. If you proceed with a mortgage application, the lender may carry out a credit search.We look forward to helping you explore your options.