As many of you will probably know, we recently moved into our new premises. At our new offices, we have much more space, the office fittings are a vast improvement over the previous place and the view is quite spectacular. Interestingly though, a lot of things remain the same.
The people are the same, of course. The same cheerful faces still smile back at you during the day. The work is the same. The phone calls are the same. The objectives of our clients remain the same. Of course, our commitment to our clients remains the same.
I’m a little surprised at how quickly all these new surroundings have become my new “normal”. My new world has again become familiar and comfortable.
Basically all we have done is move the same business to a different building.
Moving a business is a bit like refinancing a loan portfolio, when you think about it.
Over time, we all get used to our particular Lender. There’s their logo, the way the statements are set out, the colours of the brand, the internet access, their home page etc. It’s all familiar to us.
When you do refinance you expect there will be some differences from the way you have done things in the past. Just like we experienced with our business move.
Naturally with a new Lender, you’ll log on to a different website for example. You are definitely more aware of the differences after you make the change. The monetary amount can change and usually the interest rate changes too.
However, while some aspects of the loan change, many of the processes remain the same. The repayments still have to be made. The loan is still there. The rent still has to go into your account and the repayments still come from the same account. Yes, it’s a New Lender, but the same old actions are required. Your part remains the same.
The main difference is usually a lower rate and/or a bigger buffer in place. The repayments take care of themselves, the rent is put into the same old account that it always has and you can access the loan via the internet just like before. More of the same really.
But what this move has taught me is that it’s easy to get complacent and stick with things the way they are. (We were at our old premises for many, many years.) But once we made the decision to move and saw the benefits, it was most definitely worthwhile.
Making a move can be very good. The change can all go smoothly. It doesn’t have to be painful. Having just done it myself, I can relate to how this feels.
If you feel it might be time to make a move and you’d like to discuss your options, please feel free to contact me at email@example.com