Approximately 70% of homes are owner occupied in the UK, with most home owners not realising that they are not getting the best value for money in relation to their mortgage and borrowing requirements. Most do not realise how easy it is to change their mortgage and the possible savings which could result.

They still believe they should keep the same mortgage until they either move or it is paid off.

When they receive their car or house insurance renewal notice do they pay out without question? No, they usually contact a broker to try to obtain a cheaper quote or spend hours on the phone to direct insurance companies to compare quotes. All to save, maybe £40 or £50 pounds a year. This is usually the savings per month that can be made with a good re-mortgage package. Often even this can be an under estimation of savings.

When the mortgage rate increases most people just accept it because they are not aware of how easy it is to change it, or more importantly, how much they may be able to save over their property buying lifetime.

It is also fair to say that many people are not aware of the alternative methods for the repayment of shier mortgages.

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You can also release equity to finance any lawful purpose e.g.