REMORTGAGING

Ensuring your mortgage is the right mortgage for you

My Hero

Is now the best time to remortgage?  Mortgage interest rates are historically very competitive and now may be the best time to assess your mortgage suitability. We will assess your specific circumstances and go the extra mile to try and reduce your monthly outgoings. 

Lenders standard variable rates can be flexible and some quite low, however, you need to be aware the current low interest rate environment cannot last forever. We will analyse rates vs. fees and find the right option for you; how much capital will remain at the end of your fixed rate for example?   

We will also assess the true value offered by your existing lender. Do they offer you all of their best rates when your special deal ends or when you want to jump off their variable rate? How do they treat existing customers; especially with peoples changing circumstances?  This is important for long-term value and thus affordability. 

"We had forgotten our mortgage payments would change so much!"

Mr & Mrs F O’Connell, Worcestershire

Many people do not realise that paying 2% per annum extra on a £300,000 25 year repayment mortgage can make a massive difference to their budget. The difference between 2% and 4% per annum means an increased payment of £331 per month – nearly £4,000 per year net; how hard do you work for that? 

The remortgage process can be completed within 6 weeks with our help. You may be able to take advantage of a fast track application process or Automated Valuation Model. These valuations do not involve somebody entering your home but instead using IT statistical models to approximate the value of your property. If you have a large amount of equity in your property and have a low loan to income ratio, then this is more probable. 

Alternatively, you may be looking to free up capital from your home and we can individually tailor a solution for you be it via your existing lender, a remortgage or a secured loan, which have recently moved into the mainstream arena.


Contact us with details of your situation for a FREE Mortgage Assessment.

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