ADVERTORIAL
higher than any fixed deal on the market. This is a situation you want to avoid at all costs. When it comes to securing a new rate, you generally have two options:
• Remortgaging: Switching your mortgage to a completely new lender.
This is quick, involves no new credit checks, and avoids extra legal fees, but it often means missing out on the most competitive rates in the wider market.
This requires a bit more paperwork, but it is often where the biggest financial savings are found. It also gives you the chance to borrow more for home improvements or consolidate other debts.
Why Acting Now is Crucial You don’t have to wait until your current mortgage expires to secure your next move. In fact, you can lock in a new mortgage rate up to six months before your current deal ends. With the recent swing back up past 4.7 per cent, acting early serves as a vital insurance policy. If you lock in a rate today and market rates continue to climb
• A Product Transfer: Staying with your current lender and moving to a new rate.
because of global tensions, your lower rate is protected. If the market settles and rates drop back down before your current deal expires, a good broker can simply abandon the reserved rate and secure you the new, cheaper one. It is a win-win scenario that provides absolute peace of mind.
We’ve Got Your Back At Quick Mortgages, we know that police officers work long, unsociable hours. You don’t have the time to sit on hold with banks, decipher complex financial jargon, or obsessively track daily interest rate changes. That’s our job. As proud supporters of
the Police Federation, we understand the unique pressures you face and the nuances of police pay scales, overtime, and allowances. We scan the entire market to find the best possible deal tailored to your specific circumstances, handling the paperwork from start to finish so you can focus on your job and your family. Don’t wait for your renewal letter to
arrive in the post. If your mortgage is up for renewal anytime in 2026, get in touch with our team today to review your options and secure your financial future.
If you wish to discuss your current situation or explore your mortgage potential at any stage of your career, the key is understanding how your circumstances evolve over time – and ensuring your mortgage evolves with you. New Recruits: “Don’t assume you need years in the job to buy a home - many officers can do it sooner than they expect.” Mid-Career:
“If your income has changed but your mortgage hasn’t, you could be missing out.” Nearing Retirement: “Retirement isn’t the end of your mortgage journey – it’s a chance to rethink it.” At each stage, small changes in your circumstances can open very different opportunities – from increasing borrowing potential early in your career, to improving rates and flexibility mid-career, through to shaping a more strategic approach as retirement approaches. If you would like to understand what
your options look like today, or how they may change in the future, we’re here to help you make sense of it all. Simply scan the QR code to access your mortgage guide or speak with one of our advisors.
37 | POLICE | APRIL | 2026
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