Aideen Finnegan

OK, OK, good to know.

So we often hear Conor Pope, our consumer affairs correspondent, tell us to shop around and switching mortgage would be part of that.

But it is very daunting after all the effort it took to get the mortgage.

And you remember all the forms and all the stress and everything, all the phone calls you had to make.

So how much does it actually cost you know having to get a surveyor and all that malarkey again?

Okay.

And what about the mortgage protection then?

Does that, you have to go through the whole thing again?

Like go find my smear test results and let them know do I smoke and drink and all the rest of it?

OK, OK, good to know.

King, we talk about getting your loan to value down because that seems to be the key to lowering interest rates and, you know, giving you a bit more freedom and choice when it comes to fixing again.

How are people doing that?

I'm really sorry to butt in here and leave you hanging.

We had such a good chat this week that rather than cut Cian's interview short, we decided to split this episode into two parts.

So join us next time when we talk about ways you can reduce your loan to value ratio and how much that could save you in the long run.

We also discuss green mortgages, bridging finance, mortgage holidays or missed payments, and how difficult it is to buy a partner out if a couple decides to separate.

So don't forget to follow us on your podcast app and part two will automatically show up in your library when it's ready next week.

I'm Aideen Finnegan.

This is Better With Money.

Talk to you soon.