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On the way home from work the other day I passed my local fish & chip shop, nothing unusual about that you might think, however the difference was it was closed. 6pm on a Friday night and it was shut. Closed for re-decorating, the sign in the window said.
My mind started to wander, thinking about all the people whose regular Friday night routine had been turned upside down, forced to go elsewhere or even go hungry. This simple observation makes you realise how you take things for granted and the value you put on peace of mind.
This question has never been more relevant than it is at present, with the current mortgage debate –‘To fix or not to fix, that is the question’. With interest rates being as low as they are and lenders offering competitive longer term deals, has there been a better time to fix your mortgage payments?
Here are a few things to consider when looking at your mortgage options:
So don’t take your mortgage for granted, it’s probably your most significant outlay on a monthly basis. Getting the right deal can make a big difference.
Steve Hardaker, Property Finance Consultant
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Armstrong Watson LLP is a limited liability partnership registered in England and Wales, number OC415608. The registered office is 15 Victoria Place, Carlisle, CA1 1EW where a list of members is kept. Armstrong Watson Accountants, Business & Financial Advisers is a trading style of Armstrong Watson LLP. Armstrong Watson LLP is regulated by the Institute of Chartered Accountants in England and Wales for a range of investment business activities.
Armstrong Watson Audit Limited is registered to carry on audit work in the UK and Ireland by the Institute of Chartered Accountants in England and Wales. Registered as a limited company in England and Wales No. 8800970. Registered office: 15 Victoria Place, Carlisle, CA1 1EW
Armstrong Watson Financial Planning Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 542122. Registered as a limited company in England and Wales No. 7208672. Armstrong Watson Financial Planning & Wealth Management is a trading name of Armstrong Watson Financial Planning Limited. Registered Office: 15 Victoria Place, Carlisle, CA1 1EW