Saniya Shabir
Mortgage Adviser
Helps you move onto a better rate before your fixed deal runs out, so you are not paying more than you have to.
About Saniya
- Focus
- Rate Switching & Residential Mortgages
- Experience
- 5+ years
Specialisms
- Rate Switching
- Product Transfers
- Residential Mortgages
Saniya works with homeowners whose fixed-rate deal is about to end and who want to understand their choices before the monthly payment climbs. What she cares about is whether your home stays affordable over the long run. She keeps a close watch on how shifting rates feed through to what you actually pay each month, then talks you through it.
Most of her work is remortgaging and product transfers. A product transfer means taking a new deal with the lender you already have, rather than moving to a different one. Saniya sets what your current lender will offer against what the rest of the market is doing, so you can see whether staying put or a full remortgage leaves you better off.
