In this episiode, Phil talks to Tom Atley a Senior Mortgage Adviser to discuss the here and now or mortgage rates, what's ahead and some tips on reviewing your current mortgage that could save you money in the long run.

Tune to hear the two discuss:

• Why mortgage rates and products keep changing
• Lenders considerations
• Challenges for FTB's buying new builds (especially flats)
• Who's got good rates?
• Remortgaging tips

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Always remember: Your home may be repossessed if you do not keep up repayments on your mortgage.

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