This is often an area ignored, thinking that “the bank knows best”, but there are different ways to structure mortgages to help you pay it off quicker and therefore become freehold earlier.

We can show you how much interest you are paying over the life of a mortgage and give you ways of reducing it.

As most people will have a mortgage at some point in their life it is important that you don’t pay more than you need to over the entire life of the mortgage, which is what can really damage your ability to save for your retirement.