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Switch & Save Consultations

Book A Switch & Save Review

Move Your Mortgage For Better Rates Or Terms With Confidence

If your renewal offer underwhelms—or your current term no longer fits—moving your mortgage can lower interest expense and upgrade features without derailing your timeline. I’ll benchmark your existing contract, model the real savings after penalties and fees, and structure a clean transfer or refinance that makes financial sense now and later.

Your Outcome At A Glance

Before you decide, you’ll see the dollars-and-cents impact of staying put versus moving your mortgage. We convert fine print into clear numbers and show how the new terms change cash flow, total interest, and exit options.

Savings Snapshot

You’ll get a side-by-side comparison that nets out rate changes, penalties (IRD or three-month interest), and any fees or incentives—so the gain isn’t theoretical.

Terms That Work For You

Beyond rate, we tighten the structure: term length aligned with your horizon, prepayment room that actually helps, and penalty math that won’t punish a future move.

Clean Execution Plan

You’ll leave with the exact steps, documents, and dates to complete a transfer (no new funds) or a refinance (new funds or term reset) with minimal disruption.

What This Consultation Covers

We treat a switch like a surgical file: assess cost, design the structure, pick the right lender policy, and execute on schedule.

Cost & Penalty Analysis

We quantify your break cost and maturity timing, then model stay-versus-move scenarios to a break-even date you can trust—not a guess.

Rate & Term Architecture

Fixed, variable, or a mix; short versus longer commitment; amortization that fits cash flow without sabotaging long-term interest savings.

Feature-By-Feature Upgrade

We evaluate portability, lump-sum allowances, payment-increase options, and charge type (standard vs. collateral) so the new contract is more forgiving, not less.

Lender Fit & Offer Sourcing

Your income type, property details, and closing window drive the shortlist. We prioritize clean approvals and favorable terms over headline bait.

How The Switch Happens

We keep momentum high and surprises low with a four-stage sequence that respects your dates and your patience.
Step 1

File Review & Timing Strategy

We read your current commitment, confirm penalty windows or renewal dates, and decide whether a straight transfer or a refinance is the right path.
Step 1
Step 2

Offers & Break-Even

You’ll see targeted offers with total cost, flexibility notes, and a precise break-even point. If switching doesn’t pay, I’ll say so—plainly.
Step 2
Step 3

Approval & Transfer

We package the file the way a credit team expects, line up appraisal only when it adds value, and coordinate the solicitor instructions so signatures are the easiest part.
Step 3
Step 4

Funding Day & After

Numbers finalize, funds move, and payments roll to the new lender. We set simple prepayment tactics and the next review milestone so you stay in control.
Step 4

Who Benefits Most

Switching is about improving efficiency and control, not just chasing a shiny rate. If any of these sound familiar, this service fits.
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Renewals With Underwhelming Offers

When the letter on your kitchen table isn’t competitive—or the terms are too tight—we create leverage and a better landing spot.

Mid-Term Borrowers Facing Heavy IRD

If life changed mid-term, we weigh the penalty against real savings and structure a move that minimizes damage.

Homeowners Needing Better Flexibility

You plan to renovate, relocate, or accelerate payments. We prioritize features that make those moves cheaper and easier.

Borrowers Stuck In Collateral Charges

If your current registration blocks simple transfers, we map the cleanest route out—without needless frictions.

FAQs

A single, controlled application is standard. We keep inquiries tight and orderly.
Transfers often include basic legal coverage from the new lender; refinances may need full legal and sometimes appraisal. You’ll see it up front.
Yes—that’s a refinance, not a straight transfer. We’ll confirm costs, qualification, and whether it’s worth it.
With documents ready, a clean transfer typically completes within a few weeks; we stage it against your maturity to avoid rushed decisions.

Get Started

Email your renewal letter or current term details and your target payment. I’ll reply with a quantified stay-vs-switch summary, the best-fit offer shortlist, and a timeline sized to your dates.
Schedule Your Switch & Save Review
Prefer email or a quick call? Reach out and we’ll begin today.
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