Why are mortgage rates higher?
Over the last couple of years, we have seen increasing inflation, where goods and services have become more expensive. To curb this, the Bank of England has increased the base rate several times to try and discourage spending and to encourage saving resulting in an increase in borrowing costs, including mortgage rates.
Sitting still could result in higher repayments
Not acting will result in being moved on to the lender’s Standard Variable Rate (SVR) when your fixed rate expires. The interest rates on a SVR may be higher than those on a fixed-rate deal, so it’s always worthwhile acting ahead of your fixed rate expiry date by having your next deal lined up in time, helping you to avoid paying more than you need to.
Speak to Mallory Financial for advice
It’s not always easy to know what mortgage product is right for you, so that’s where the value of professional mortgage advice comes in. We are here to listen and to recommend products that we believe are most appropriate for you and your unique circumstances.
Ways we could help you secure a better mortgage rate
We are here to support you
We understand that the current mortgage market and the potential increase in repayments could provoke concern for those facing a remortgage later this year. We can help put your mind at rest by supporting you through the remortgage process and securing the best product for your situation.
Take a positive step today by making an appointment at a time that suits you.
Contact the team on 01565 874 246
Email: hello@malloryfinancial.co.uk
We help make our customers feel happy
I would not go anywhere else!
Jayne knight at Mallory once again secured a high street mortgage for me, regardless of a quirky property that my current provider declined.
She continues to set expectations and calls to update should there be anything required.
This is the second time Jayne has supported me in securing a mortgage and I would not go anywhere else in the future. Thanks Jayne!!
Highly Recommend!
I went to quite a few mortgage advisors before being introduced to Jayne. They all came to the same stumbling block. Jayne went over and above that block and managed to find me a deal when I was slowly losing hope. She was courteous, prompt and contactable. I would highly recommend Jayne and Mallory Financial in a heartbeat.
Difficult Mortgage.
I came to Jayne with very little hope as I had been advised I was difficult to place for a mortgage and was under great pressure on time. Jayne was fantastic, not only did she secure a great deal for me, she was contactable evenings and weekends and was brilliant and calm at guiding me through the process. Offer was completed in under 2 weeks. I cannot recommend Jayne/Mallory Financial highly enough. She has literally changed my life for the better!!
Great Service
We were in contact with Jayne for about 3 years as we viewed houses and explored different properties and financing options. Jayne was always incredibly patient and helpful, checking in every so often to see how things were going, making sure that our AIP was regularly updated, and clearly explaining product options and trade-offs. After finally settling on a place, Jayne quickly organised a mortgage offer.
From contact to completion in days!
From contact to completion in days, really delighted with Jayne Knight who supported me through the journey and made everything simple and straightforward.
I had my offer very quickly and the process has been seamless.
Patient, professional and supportive!
I first approached Mallory Financial two years ago when I began my property search. During that time, I had two transactions fall through for leasehold properties, which was incredibly stressful. However, the team remained patient, professional, and supportive throughout the whole process. They never charged me extra for the additional work despite the setbacks, and when I finally found my current home, they helped me secure my mortgage smoothly and arranged my life insurance policy as well. Their dedication, clear communication, and commitment to seeing things through made a huge difference for me as a first-time buyer. I’m truly grateful for their help and would highly recommend them to anyone looking for a reliable and knowledgeable mortgage advisor.
Just so Good!
I found Mallory Financial through unbiased.co.uk. They were the first to promptly respond with an offer to help with a remortgage which led me to the wonderful Jayne Knight (Sales Mngr). Was great to speak with an actual person who seamlessly navigated the market and made helpful recommendations. Case then handed off to Hollie Sweeney (Case Handler) who kept us regularly up to date with the application process all the way through to completion, which was done in super fast time of 3 weeks! Mallory receives my wholehearted recommendation and I will have no hesitation to point friends, family and colleagues in their direction should a need arise.
Mallory to the rescue – Divorcee with dodgy credit file seeking re-mortgage!
A tricky divorce left me with a problematic credit file which almost led me down the path of ‘non-high street’ lenders with far higher % rates. Mallory Financial were able to secure me a deal with a ‘normal’ lender at a time when I thought I would lose my family home completely. Jayne & Hollie were able to push things along and kick people’s @45£5 when needed. And when dealing with the likes of Integrar and HSBC, that evidently needs doing on numerous occasions! A last minute increase to my mortgage request was also dealt with efficiently.
Can’t recommend enough!
We have recently used Mallory Financial for a re mortgage. What was initially a very stressful and anxious time for us quickly became very straightforward and manageable with help at every step from Jayne and Hollie. We honestly couldn’t recommend them enough and are hugely grateful for what they both have done for us.
Flawless service
It’s not always you get absolutely flawless service so I felt compelled to leave a review of Mallory Financial.
Jayne Knight was extremely helpful, she made sure she listened to all of my needs and catered her service to ensure I was completely satisfied. She went above and beyond. Jayne and Holly are amazing at what they do and I would not go anywhere else in future for any financial advice. You have got 100% excellent service.
Extremely efficient and proactive service!
I can’t thank Jayne and Hollie enough for helping my family and I secure a mortgage that suited our particular needs. The process was smooth and transparent, extremely quick – even my estate agent commended their efficiency! All issues were responded to very quickly, and we’re now on our way to securing our new home. Highly recommended.
Jayne is a legend!
Being first-time buyers we had no idea what we were doing! Jayne made the process so simple and understandable which made things much easier to deal with. Jayne has been super responsive throughout; we highly recommend!
I would highly recommend Mallory Financial
If you need any assistance with mortgage/general refinancing. Your circumstances are irrelevant as they will find a tailored package to suit your needs and make sure you are comfortable with the product by keeping you updated at every step. The speed, professional service and efficiency is another reason why l would recommend Mallory Financial to any family member or friend. I had a lovely lady called Jayne who looked after my case and kept me in the loop at every step. Thank you Jayne for a great service.
Want to stay in the loop?
Subscribe to our free newsletter
