How mortgage advisers save you money, even after you get the deal
You’ve got the mortgage, the keys, and moved in. And it all seems like it’s done. But it’s not quite yet. At Smart City Mortgages, we believe mortgage advice shouldn’t end once the deal is approved. In fact, some of the biggest savings happen after your mortgage is in place. That’s why our support doesn’t stop at “congratulations”.
Here’s how our advisers help clients stay ahead and save more long after they move in.
1. Keeping you off the standard variable rate (SVR).
Many mortgages come with an initial fixed-rate period of 2 to 5 years on average. But what happens when it ends?
Too often, borrowers get automatically switched to their lender’s standard variable rate (SVR), which can be hundreds of pounds more per month than necessary.
We track your expiry dates and proactively check better options before that happens. For many of our clients, this single step can save £2,000–4,000 per year without changing homes.
2. Reviewing your mortgage to fit your life.
Your life changes, and your mortgage should keep up. Whether you’ve had a pay rise, gone self-employed, started a family, or want to overpay, we can review your current mortgage and make sure it still makes sense.
In some cases, switching lenders or adjusting terms can free up cash, lower your risk, or shorten your mortgage term significantly just by being strategic.
3. Helping you understand your options if things get tight.
When things get tight (missed payments, job loss, divorce, health issues), your lender might not be the best place to turn first.
We help you understand your options, from payment holidays to product switches to hardship support, without damaging your credit or adding stress. Sometimes, just knowing your rights and next steps is enough to protect your peace of mind.
4. Making sure you’re not overpaying on insurance.
Some lenders will suggest their own building or life insurance providers during the application. But “convenient” doesn’t always mean competitive.
We provide expert protection advice in-house, working with a wide range of protection companies to ensure you get cover that truly fits your needs without inflated costs
5. Giving you a long-term plan (not just a short-term deal)
Mortgages are long-term commitments. And so is our relationship with our clients. Our advisers keep your full picture in mind: future home moves, buy-to-let ambitions, remortgage strategies, or early repayment plans.
We are not here for a quick win; we are here to help you stay in control and plan ahead. It’s not just about getting a deal. It’s about getting it right.
We offer free reviews, second opinions, and advice tailored to your current life. Book a free consultation and let’s discuss your case.
Your mortgage isn’t a one-time transaction.
It’s a financial journey that spans years, and the right guidance can make a huge difference along the way. Want to keep saving after the deal is done? Here’s what other clients discovered when they stayed in touch:
What our happiest clients did right, and how you can too. From better timing to smarter check-ins, these simple steps made all the difference for real clients across the UK.
The 7 silent reasons why your mortgage might fail even if you earn enough. Some mistakes cost more than others. Here’s what to watch out for next time, or how to fix it now.
