Spring is my favourite time of the year… blossoms, lambs, sunshine, cycling. Along with the spring cleaning (definitely not my favourite!) it’s a good time to review your finances. One size doesn’t fit all you know! Interest rates are lowest in living memory and predicted to drop further. I’m happy to have a look at your situation, make some expert/helpful suggestions, and then negotiate with the bank for you to make sure you’re getting the best price and structure for you. For some people it could be worth breaking their existing lending and refixing, others not. (depends on the bank and your individual circumstances). Look forward to hearing from you soon.