01273 736536

REMORTGAGE

Get the best remortgage for you

REMORTGAGE

Get the best remortgage for you

Save time and get the best remortgage for your situation

Remortgaging can be easy… you chat to an expert independent mortgage adviser who will listen to your objectives and you will have 1,000’s of mortgage products searched for you to find the best one for your circumstance including with your existing lender.

You may want to free up some capital for home improvements, to debt consolidate or even purchase a buy to let property. Find out how much you can borrow and raise…

How much can
I borrow?

Your annual income
£

Partners annual income (if applicable)
£


You could borrow up to

Chat over your objectives with an Expert Mortgage Adviser now on

01273 736536

Information

This calculator is designed to give you an indication of the amount you can borrow. The actual amount you can borrow does depend on your credit commitments, your regular monthly outgoings and how each lender assesses your income.

It may be possible to borrow more than our calculator shows you, that’s where the expertise of our personal advisers come in and our independent status benefits you.

*All potential borrowing is subject to affordability checks and credit status

How much could I raise
from my property?

Your property value
£

Your current mortgage balance
£


You could raise up to a further


£0

Chat over your objectives with an Expert Mortgage Adviser now on

01273 736536

Information

This calculator is designed to give you an indication of the amount you could potentially raise from your property. The actual amount you can raise will depend on the amount you can borrow from a lender, the property and mortgage type.

Your property will be valued by the lenders which may differ from your opinion.

It may be possible to raise more money than our calculator shows you, that’s where the expert knowledge of our mortgage advisers come in and our independent status may benefit you.

4 simple steps to get the best mortgage deal

Step 1

Book a time to chat over your existing mortgage and current/new objectives with a personal mortgage adviser.

Step 2

Let your personal mortgage adviser save you time and money by researching the market (including your current lender) to find the best product for you.

Step 3

Once you are happy with the advice, your mortgage adviser will apply online for the best mortgage product for you.

Step 4

Your dedicated relationship manager will correspond with the lender until your new mortgage product begins. We will also remind you when the new deal is ending, ensuring you always have the best deal for your circumstance!

Start saving your time and money, get independent advice today!

What you need to know…

Why should I consider remortgaging?

There are many reasons to consider your remortgage options however, the main reason is that you could be spending £1,000’s extra each year in additional interest. Other reasons could be that you would like to raise capital to build an extension, for home improvements or to consolidate some debt. It is best to chat over your existing mortgage and objectives with an expert independent mortgage broker to give you the advice you require to make an informed decision.

When is the best time to remortgage?

You can remortgage at any time, however you want to choose a time when there is a positive benefit to you moving mortgages. This may be when:

  • You’ve come or coming to the end of your current mortgage product
  • You want to raise monies, for example to complete home renovations
  • You are on a variable rate and worried about rates rising
  • Rates are lower than you are currently paying

You can get advice as to when is the best time for you to change your mortgage by chatting with an independent mortgage adviser.

How much will my monthly payments be?

Your monthly payments will vary according to the chosen mortgage term, choice of product, level of deposit and repayment type. You can get an indication of the monthly payments by using our calculator below, but it is best to chat with a personal adviser to find out exactly what interest rate and term you can secure to give an accurate monthly payment.

How much can I raise from my property?

Depending on the amount of equity in your property and the amount you can potentially borrow, some lenders will allow you to borrow up to 90% of your property value, subject to surveyor’s comments, and the purpose of what your intent to spend the money on. Lenders will typically allow you to raise monies for home improvements, buying another property and even to consolidate debt.

To find out how much you can borrow and how much this is likely to cost it is best to arrange a time to chat with an independent mortgage adviser.

How much can I borrow?

You can get an indication of how much you can borrow by using our handy “how much can I borrow” calculator. The actual amount you can borrow will depend on your credit commitments, your regular monthly outgoings and how each lender assesses your income.

It may be possible to borrow more than our calculator shows you, that’s where the expertise of our personal advisers come in and our independent status benefits you.

What costs will I pay when remortgaging?

There aren’t necessarily any costs to you with remortgaging however costs typically include administration fees and lenders’ product arrangement fees. It is relatively common to save £200+ per month by remortgaging and if there are any costs involved with remortgaging, these are quickly recouped from the monthly savings – some lenders pay you to remortgage to them! There are 1000’s of deals available and our experienced independent mortgage advisers will calculate what it the best deal for you, focusing on saving you time, as well as money!

What insurance will I need?

It’s often a requirement of your mortgage to have buildings insurance. This covers the bricks and mortar of the property.

It’s also a good idea to take advice from your personal adviser on protecting you and your loved ones if something bad happens. For example: Life Cover, Critical Illness Cover and Income Protection.

Is it worth me remortgaging?

In most circumstances it will be worth remortgaging once you come to the end of your initial product period, as if you do nothing you will end up moving to the lenders standard variable rate. This will mean your monthly payments will increase and you will pay more then you potentially need back to the bank.

If you are thinking about remortgaging for a different reason, such as raising monies for home improvements, or are on the standard variable rate then please speak to one of our independent advisers to see how we can help you.

Is remortgaging time consuming?

Remortgaging doesn’t have to be time consuming. By speaking to one of our independent mortgage advisers, we will save you time by searching 1000’s of deals, to find you the best deal that suits your objectives and circumstances. We will then process your application saving you time by chasing the lender on your behalf. Your dedicated relationship manager will also keep you informed throughout the full process of your application.

Will I get the best deal?

Because we are independent mortgage brokers we will be able to secure you the best deal for your circumstances.

I have had a change in circumstances, will I be able to remortgage?

Being accepted for a mortgage does depend on your circumstances. We are experts with all types of mortgages…. We specialise in obtaining mortgages for the self-employed, contractors, construction industry scheme (CIS) workers and those with historic adverse credit (as well as employed customers of course). In all these situations we can frequently secure high street deals. Being independent and experts is a real benefit in these circumstances.

Useful calculators

How much can
I borrow?

Your annual income
£

Partners annual income (if applicable)
£


You could borrow up to

Chat over your objectives with an Expert Mortgage Adviser now on

01273 736536

Information

This calculator is designed to give you an indication of the amount you can borrow. The actual amount you can borrow does depend on your credit commitments, your regular monthly outgoings and how each lender assesses your income.

It may be possible to borrow more than our calculator shows you, that’s where the expertise of our personal advisers come in and our independent status benefits you.

*All potential borrowing is subject to affordability checks and credit status

How much will my
mortgage payments be?

How much will you be borrowing?
£

Over how many years?

What is the interest rate?
%


Your monthly repayment will be


£0

Chat over your objectives with an Expert Mortgage Adviser now on

01273 736536

Information

To work out your monthly payments simply adjust the following to calculate your mortgage costs:

– The amount you want to borrow
– The number of years you wish to borrow the money over
– The interest rate

This calculator is designed to give you an indication of what your monthly payments on a repayment basis and should not be consider as a mortgage quote.

Your actual monthly payments will depend upon the amount you are able to borrow, the maximum term available (subject to age) and the size of deposit you put down.

To make sure you are getting the best interest rate, chat to your personal mortgage adviser who will use their expertise and independent status to your benefit.

How much could I raise
from my property?

Your property value
£

Your current mortgage balance
£


You could raise up to a further


£0

Chat over your objectives with an Expert Mortgage Adviser now on

01273 736536

Information

This calculator is designed to give you an indication of the amount you could potentially raise from your property. The actual amount you can raise will depend on the amount you can borrow from a lender, the property and mortgage type.

Your property will be valued by the lenders which may differ from your opinion.

It may be possible to raise more money than our calculator shows you, that’s where the expert knowledge of our mortgage advisers come in and our independent status may benefit you.

5 star Google reviews

Paul


Kevin, Tina and Madison were always there to reassure and help us when needed, and are the nicest number crunchers out there!

David


They are not only the total professionals, but have great customer service and keep you informed at every step of the process.

Lorraine


They do their best to find a product and a solution to help you achieve the outcome you want.

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