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13-Dec-2020 04:05

consolidating for finances-55

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Typically when you've gone two to five years into your mortgage, or the length of the introductory offer, it’s worth shopping around for a better deal.The great offers you get on your first mortgage deal don’t last forever and are usually there to reel you in for the long haul.The same £10,000 invested in a fund that achieves 7% annual investment growth, with a 1.5% annual charge, will be worth £48,541 – more than double.A better return will never be guaranteed, but more investment choice and lower fees will give you the best chance of achieving one.If you've accumulated numerous workplace pensions over the years from different employers, it can be difficult to keep track of how they are performing.There is a danger that long-forgotten plans will end up festering in expensive, poorly performing funds, and the paperwork alone can be enough to put you off becoming more proactive.However, switching to a remortgage deal could also cost you, unless the provider is offering you a fee-free deal.In order to switch to a remortgage deal, you will often have to pay an early exit fee along with the legal costs and a survey.

While mortgages will offer far lower interest rates than credit cards and an improvement on personal loan rates, that doesn’t mean that remortgaging for debt consolidation will save you money.The negative effect of high charges and poor fund performance should not be underestimated.