Remortgage to save yourself a 造幣局

Updated: 22:30 BST, 31 March 2009

Homeowners who took 公正，普通株主権 解放（する） years ago could save thousands of 続けざまに猛撃するs by remortgaging. In 2004, 率s on 公正，普通株主権 解放（する） 計画／陰謀s were around 8 per cent 直す／買収する，八百長をするd for life, 反して now 率s are about 6 per cent.

Although there are usually 告発（する），告訴（する）／料金s for leaving the 計画／陰謀 早期に, these often 落ちる away after five years.

Five years ago, the cheapest 取引，協定 （機の）カム from Northern 激しく揺する, which 告発（する），告訴（する）／料金d 7.43 per cent. The lowest 率 now is 5.95 per cent, 利用できる from LV= (以前は Liverpool Victoria). The ty pical 前進する is £50,000.

貯金 in 蓄える／店: Remortgaging could be the answer

Those who took out Northern 激しく揺する's 取引，協定 in 2004 will now 借りがある £88,160. In five years' time that would have rolled up to nearly? £126,000.

By 2019, it will 量 to more than £180,000, and in 15 years, it will be £258,000, によれば 独立した・無所属 助言者s, 重要な 退職 解答s.

But if you switched today to LV=, even after remortgaging costs of £2,500 you would be almost £5,000 better off after five years. The real 貯金 come later - in ten years you would have saved £18,000 and in 15 years it would be £41,863.

You would, however, have to 支払う／賃金 5 per cent of the 貸付金 to get out in under five years and 3 per cent to get out in up to ten years.

Dean Mirfin, of 重要な 退職 解答s, says: 'Every day you're on a cheaper 率 you are better off because of the 構内／化合物ing 影響. After the first year, you are 支払う／賃金ing 利益／興味 on 利益／興味, so the longer you are on a higher 率 the more you 借りがある. We believe thousands could 利益 by remortgaging.'

It depends on the 早期に 返済 告発（する），告訴（する）／料金s whether it's 価値（がある） switching. 計画／陰謀s from Norwich Union, Stonehaven and Just 退職 have 告発（する），告訴（する）／料金s for the life of the 貸付金 linked to the 産する／生じる on gilts while Prudential bases its 刑罰，罰則s on the Bank of England base 率.

If they are lower now than when you took it out, then you'll have a 刑罰，罰則 to 支払う／賃金.

Money Mail 警告するd homeowners about both these types of 計画／陰謀s when they appeared on the market.