This is a natural stage where many homeowners take a moment to reflect and evaluate their options—whether that’s considering a re-mortgage, exploring more competitive rates, or making plans for the future. It’s the ideal time to reassess your position and determine the best path forward to meet your needs and long-term goals.
We often liken this to a four-way junction with various paths to explore, as outlined below.
If you didn’t start your mortgage journey with us, don’t worry—you’re in good company! Many people come to us at this stage ready to continue their journey with expert guidance.
Whether you’re seeking a bit of clarity or comprehensive support, we’re here to help you navigate this stage of the process with confidence and ease.
Over the term of a typical mortgage, your situation can change several times:
• Birth of a baby
• Change of job
• Child leaves home
• Sale of another asset
At the end of a fixed term is a great time to review and ensure your mortgage is still fit for purpose. We will conduct a full review with recommendations based on your current situation and plans for the short, medium and long term goals.
Everyone dreams of being Mortgage free, my first question is why? – what do you want to be able to do with this extra money?
• Travel?
• Early Retirement?
• Reduce Stress?
• Live a more comfortable life?
Depending on your reason for becoming mortgage free will determine the best solution for you. No two situations are the same, and this is where we personalise advice for you.
Do you have dreams of owning a large rental portfolio, or just an extra one?
• Do you have equity in your home for the deposit?
• Existing Property / New Build?
• Property Manager or Self Manage?
• Capital Gains or Cash Flow?
No matter how many investment properties you aspire to own – it's all about the numbers and do they stack up.
Are you always moving money around, worried if you will have enough for the bills? Mortgage stress can be real for people. I know, I have been there.
• Are you constantly watching the interest rates?
• Do you understand your mortgage structure and is it working for you?
• Do you know about interest rate averaging?
• Does your mortgage structure allow for flexibility?
We come across this all the time and appreciate the stress it can cause; however, it doesn’t have to. There are options available for you.
Alan is incredibly loyal, so when we started looking at a bigger mortgage, he wanted to stick with the broker who helped us buy our first home. They said we could afford more with me working part-time, but the numbers didn’t sit right.
A friend recommended Deon, and from the moment I spoke to him, his down-to-earth approach and genuine care stood out.
I got Alan to meet him, and even with Alan’s loyalty, he quickly saw Deon was the right choice.
Thanks to Deon, we got the bigger home we’d only dreamed of.
Even now, with the mortgage in place, he’s always there to help with budgeting advice or checking mortgage rates.
We’re so grateful for his support!
Deon is very knowledgeable, efficient and very patient, and always took the time to answer all of our questions. He went above and beyond to find the best options for our needs, and his attention to detail was exceptional. We felt supported every step of the way.
We would highly recommend his service to anyone looking for mortgage advice.
Through the process of refixing and selling, Deon has been an immense help with his knowledge and contacts within the industry.
I will definitely be using Mortgage Advice For You when looking to purchase again in the future as I know Deon will help the process go smoothly and will offer guidance and reassurance so I can make the best possible decision.
If you’re looking for a mortgage advisor who is not only skilled but also approachable and easy to work with, Deon is the one to call.
He takes the time to explain every detail in simple terms ensuring I fully understand the process at every step.
I will definitely continue relying on his services in the future.
