Mortgage Servicing
Your mortgage needs can change over time, and we're here to ensure your home loan keeps working for you. Whether it's time to refix your interest rate, restructure your loan to better suit your lifestyle, or simply review your current setup, we provide clear, tailored advice to help you make informed decisions. At Ladder, we stay proactive with our clients, offering regular check-ins and support so your mortgage continues to align with your goals, both now and into the future.
1. Review & Understand Your Current Situation
We start by reviewing your current mortgage and financial circumstances, looking at your interest rate, loan structure, repayment schedule, and any upcoming changes like fixed rate expiries.
2. Identify Opportunities & Discuss Goals
We talk through your short and long-term financial goals, whether you're looking to reduce repayments, pay off your loan faster, or create more flexibility. This helps us identify if refixing, restructuring, or another option is right for you.
3. Compare Options & Provide Advice
We assess the market and your existing lender’s offers to determine whether staying put or making changes is the most beneficial. You'll receive clear, tailored recommendations with a breakdown of pros, cons, and costs.
4. Implement the Changes
Once you've chosen the right path forward, we take care of the paperwork and communicate with your lender to put everything in place, whether it's switching to a new fixed rate, restructuring your loan, or making other adjustments.
5. Ongoing Monitoring & Support
We don’t stop once the changes are made. We’ll check in regularly and keep you informed of any opportunities to improve your mortgage setup, so it continues to support your financial wellbeing over time.