REMORTGAGING

Finding your best mortgage deal

My Hero

You may want to consider remortgaging if you’re coming to the end of a fixed-rate deal, or looking to reduce your monthly repayments. With interest rates at historic lows, reviewing your mortgage on a regular basis makes sense.

Is remortgaging a good idea?

While most lenders’ standard variable rates can be flexible and fairly low, it’s important to remember the current low interest rate environment may not last forever.

Independent James can help you remortgage. We can look at your current mortgage, and by assessing your circumstances, help you decide whether switching mortgage is a good idea.

We also take into account the fees lenders charge and we look at how much capital will remain in your home at the end of your fixed rate.

Should I stay with my current mortgage lender?

When we look at your current mortgage we will look at the value offered by your existing lender; this is important for long-term value and the mortgage’s affordability.

● Does your lender offer you all of their best rates when your special deal ends or when you want to jump off their variable rate?
● How does your lender treat existing customers; especially with peoples changing circumstances?

"James and his staff take the whole stress of mortgage negotiations away."

Mr R Govoni, Wimbledon

Find out how remortgaging can save you money

Paying 2% per annum extra on a £300,000, repayment mortgage can make a huge difference to the amount you pay over the 25-year mortgage term.

For example - the difference between 2% and 4% per annum amounts to an extra £331 per month, or £4,000 per year.

● We can help you remortgage within 6 weeks
● You may be able to take advantage of a fast track application process or Automated Valuation Model

Can I remortgage to raise finance

If you are 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.

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

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