The amount, the term, the rate type, maybe even the repayment method! So with this in mind it is important to properly review your situation. That’s where we come in! We will look at what is available from your existing lender and compare it with all the other choices you have. Once we have reviewed your whole situation we’ll be able to recommend a solution for you that suits your new requirements. Sometimes it will be best to stay with your existing lender and just swap to a new rate but you are sometimes limited if you want to make many other changes. In other situations you will be best with a new lender as a new customer. Either way we will recommend the best solution for you and handle the whole process from start to finish. As this is a good time to be making changes it might be a good idea to think about whether you need to borrow any more for anything else, like home improvements. Alternatively, you may have some extra money to pay off some of your mortgage if you’ve been saving up!