MORTGAGES
For many, a mortgage is your most significant financial commitment. It makes sense to continually look at ways to save on your outgoings, and remortgaging might be an option.
When you first took out your current mortgage, it’s likely you secured a good rate. However, as the market evolves and interest rates fluctuate, there might be more favourable deals emerging. It might even be that you can stay with your current lender too, which will make things easier.
Perhaps your current deal is about to end, you’d like a better rate, interest rates are unstable, or your home’s value has increased – we’re here to help you switch.
Stay put or move to a
new lender
If your property has increased in value, your lower loan-to-value ratio could mean you are eligible for a wider choice of mortgage plans. It may be that your current lender has new deals available with lower rates, or perhaps moving to a new lender would give you a better option.
We can search thousands of mortgage deals to find one that’s tailored to your personal situation and your budget. We’ll then present you with all the information; arrangement fees, valuation fees, any repayment/exit fees, to assess whether it’s financially beneficial for you to move.
Is now the right time?
Always check with your mortgage advisor that remortgaging is the best option for you. If the value of your home has dropped, or you’re already on a great rate, it might be more prudent to remain in your current mortgage arrangement.
We’re experts in this field, and will provide you with the necessary information to help you choose the best route for you.
Review the whole market
We are not limited in the range of mortgages we can consider and can review deals across the whole market to find a mortgage that suits you best. We can assess whether switching lenders once all the fees are taken into account is the right move for you.
Remember your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage products can change or be withdrawn at any time and are subject to underwriting.
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