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Saving money on your mortgage

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Depending on everyone's individual circumstances, now is the most rewarding time to re mortgage for 6 years an independent analysis of the home loan market has found.

A series of drastic rate cuts by lenders has increased the incentive to take a fixed rate to levels unseen since Northern Rock collapsed in August 2007 and Britain was sucked into financial crisis.

In an analysis of banks' loan books by financial researchers at Standard & Poor's suggests that more than 50% of borrowers could save money by switching to a cheaper mortgage deal.

Borrowers currently on their lender's standard variable rate (SVR) could save tens of thousands of pounds over the next two years by re mortgaging.

According to Standard & Poor, the average customer with 15% equity can now save 0.5% points by re mortgaging, while someone with more than 40% equity stands to save 2.1% points.

Massive net savings can be made even on products where there are costs involved in re mortgaging.

There are many options available with choices of products that provide fee ifree ncentives as well as interest rates that are lower than current SVR's.

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