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Our duty of care is always to you; our client. With that in mind, we will always undertake a detailed cost analysis and comparison of what you currently have with your existing lender, what they might be able to offer you as an existing customer to retain your business, versus all the rates and products available elsewhere.
We will only ever recommend you re-mortgage to a new lender if you stand to make a legitimate saving by doing so. As we are regulated to give advice across all lending platforms, including second charges, we are best placed to give you the most cost effective solution whether additional funds are needed or not.