Navigating the Remortgage Maze: A Trustworthy Approach

by | Wednesday 29th Nov 2023 | Mortgage News

Jade Pinkerton is Oportfolio's expert remortgage advisor

Jade Pinkerton is Oportfolio’s expert remortgage advisor

“Time to remortgage” can be a scary thing for any homeowner to hear. But why? It should be quite straight forward. Right? In this day and age, it’s not uncommon for people to seek a variety of opinions, especially when considering a remortgage. Recently, we had the pleasure of guiding a client through this intricate process, and their journey sheds light on the importance of proper advice in an era where information overload is the norm. Senior mortgage and protection advisor at Oportfolio Jade Pinkerton shares her experience with particularly nervous clients.

Particularly Nervous Remortgage Clients

My clients, much like many others, found themselves overwhelmed with choices and conflicting advice when it came to remortgaging. Rates were much higher than they were when they secured their original mortgage with me, and much higher than they had expected them to be by the time their mortgage came up for renewal. This meant that regardless of the new remortgage product they would eventually secure, their monthly mortgage payment would increase. Worried at the prospect of paying above the odds for their new mortgage, my clients were determined to make sure that they were getting the most competitive home loan.

Blind Faith in TV ‘Financial Guru’

In their quest for the best remortgage deal, they diligently followed the advice of claimed ‘financial guru’ Martin Lewis from Money Saving Expert after watching his TV show and reading his online finance blogs. Additionally, they consulted with other brokers recommended by friends, aiming to gather as many opinions as possible and secure the lowest rate available. Although taking this approach can be beneficial, we would always discourage our clients from blindly following what they see or hear online and on TV, and always seek personal financial assistance.

Why Our Clients Chose Us

At Oportfolio, we understand that navigating the mortgage market can be a daunting task, and our commitment to providing unparalleled service sets us apart. Thankfully, these clients saw the light and allowed us to help with their remortgage application. And boy are they glad they did! Here’s why my client ultimately chose Oportfolio for their remortgage:

  1. Access to All Rates and Exclusive Deals: One of our key strengths is our ability to access a comprehensive range of rates and exclusive deals available on the mortgage market. Many of which can’t be accessed by going direct to a bank and many which can’t be secured through other brokers. This ensures that our clients had a range of options to choose from, tailored to their own unique needs.
  2. Personalised Guidance and Strategy: We pride ourselves on taking the time to thoroughly discuss options with our clients. Beyond presenting rates, we delve into personal recommendations and strategic approaches, ensuring that our clients make informed decisions aligned with their financial goals. Many banks and building societies will simply treat your application with a clinical approach.
  3. Continuous Support Throughout the Process: Unlike some other providers, we don’t believe in simply placing our clients in a processing queue. We’re with them every step of the way, providing continuous support and guidance throughout the entire remortgaging process. Our clients are not just cases to us; they’re individuals with unique circumstances, and we treat them as such.
  4. Building Genuine Relationships: At Oportfolio, we prioritise building genuine relationships with our clients. We understand that financial decisions are deeply personal and, in many cases, the biggest financial decision a person will ever make, and we strive to offer a human touch in an industry that sometimes feels like a conveyor belt. Our approach differs from the impersonal nature of traditional banks, emphasising trust and understanding.

Speak To Oportfolio For Your Next Remortgage

In the end, our client found that while the trust in widely-advertised websites and financial experts like Martin Lewis can be beneficial, the human touch and personalised advice that we offered made all the difference. In times where financial decisions are more crucial than ever, the value of a trusted advisor becomes apparent.

The journey from contemplating a remortgage to securing the best possible deal was a testament to the trust placed in our expertise. As the financial landscape continues to evolve and none of us really know what the future holds, remember that proper advice and human connections are invaluable. In a world inundated with information, having a trusted advisor by your side can make all the difference. Call or email our team today to see how we can help with your remortgage.

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