Remortgage Your Home

Switch your mortgage to suit your needs

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Why remortgage?

There are many good reasons to switch your mortgage on your existing home: maybe you want to save money on your monthly mortgage payments, pay your mortgage off early, or raise capital. When your current mortgage deal is coming to an end, or your house value has increased, you may find you can save significant amounts on monthly payments by switching your mortgage.

With many lenders now offering free legal work and no upfront fees, and with rates at an historic low, there has never been a better time to consider switching your mortgage.

To find out how much you could save or raise by remortgaging, get in touch with us, today.

How much can I borrow?

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Discovery meeting – an initial consultation

This meeting allows both parties to get to know each other in a stress-free, no commitment environment. We explain how we work and discuss our services and fees with you. We also identify your personal needs and objectives. If we reach mutual agreement on working together we can quickly move on to the next stage.

Guide to remortgaging

Remortgaging your home can seem daunting — all that paperwork! But it needn’t be a hassle. In fact, it’s something we should all address regularly to make sure we’re still on the most suitable mortgage deal available to us.

It’s important that you start shopping around for a new deal before your current mortgage gets transferred onto your lender’s standard variable rate (SVR). This could be considerably higher than your current rate, which may make mortgage payments a real stretch.

There are a range of remortgage products available on the market, and to remove any confusion or stress, we’ll happily shop around for you to find the type which suits you best.

In essence, these deals may be no different to your first-ever mortgage. But, depending on your financial situation at the time that your first, or subsequent, mortgage deals have come to an end, coupled with the status of the mortgage market, you may need to weigh up the different types of remortgage deals available.

The rates offered on a remortgage deal may vary according to a range of factors, including:

  • The value of your property (and whether it has increased since you originally took out a mortgage)
  • How much of your property you own outright
  • How much you wish to borrow from a lender
  • Your income

Undoubtedly, you’ll have the same factors to consider when taking out your first mortgage. These will all affect how much you’re able to borrow as well as the flexibility you may have from a new mortgage deal.

Our Financial Planners will search all available deals from all available lenders, and based on the cost, benefits, and the quality of service, they’ll choose the right deals for you.

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