When Tom and Emily from Southport received a call from their HFA mortgage adviser, they were surprised, as their fixed-rate mortgage still had almost a year left to run. That early call was the start of one of the smoothest, most stress-free remortgage experiences they could have imagined.
At HFA Mortgage & Protection, we believe good mortgage advice starts before a client asks for it. Tom and Emily’s adviser had been tracking their deal and knew that they’d be approaching the end of their fixed term in less than a year. That’s when they reached out, not to rush them, but to get them ready.
Over the next few months, the couple followed the broker’s guidance: they paid down a small credit card balance, tidied up their spending, gathered payslips and bank statements and made sure all their documentation was in order. These might sound like small steps, but they made a big difference when it was time to apply for their new mortgage.
By the time Tom and Emily were six months away from the end of their current deal, everything was ready to go. The application was submitted early, the process was smooth and most importantly, they secured a new rate before their lender’s Standard Variable Rate could kick in. The result? A seamless switch, no overlap and little to no stress.
The Difference a Mortgage Broker In Southport Proactive Makes
Being proactive like this isn’t just efficient, it’s financially smart. Mortgage markets move quickly and being ahead of the game means you can secure a deal while rates are still competitive. Too many homeowners wait until they’re only weeks away from their deal ending and end up scrambling for paperwork or missing out on the best products.
Tom and Emily’s experience shows why timing matters and why having a broker who’s proactive makes all the difference. As Emily said afterwards, “It was brilliant knowing everything was sorted early. We didn’t have to think about it and the team at HFA had already planned it all out.”
Stay Ahead with HFA
Our advisers in Southport and across the North West don’t wait for you to call. We track your mortgage and help you prepare long before your current deal ends.
Contact HFA Mortgage & Protection today and find out how early planning can save you time, stress, and money.
Visit https://hfassociates.uk.
Disclaimer:
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500.
Your home may be repossessed if you do not keep up repayments on your mortgage.
