When you remortgage, you are switching your mortgage to another deal, and frequently, another lender.
Clients switch mortgages for a variety of reasons including to make payments cheaper, if they are on Standard Variable Rate and can get a better rate, or to consolidate debts.
We have access to the Whole of Market deals and will include in our advice the following:
The monthly payment and overall loan payment to ensure it is the best rate available to you.
If the lender charge a valuation and solicitor fee. ( These are often included in the remortgage deal).
The current rates your existing lender currently offer to you as an existing client, so offering the very best advice to remain with them or move to a better overall mortgage.
Any existing loans or credit cards will be discussed to offer advice on total borrowing and future needs. Securing short term debts against your home could increase the term over which they are paid which has to be taken into account for full advice.
If there is an Early Repayment Charge to the existing lender.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
You can choose how we are paid for mortgages; pay a fee or we can accept commission from the lender, or a combination of fee and commission.
Here are just some of the lenders we use and have access to...
Find out what we can do to help you with your finances. Get in touch with us today!