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It is important that you protect you and your property with appropriate cover

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

The Financial Conduct Authority do not regulate some buy to let mortgages.

Remortgaging can help your financial health in many ways. In simple terms, remortgaging involves moving your current mortgage to a new arrangement, arranged either with your existing lender or with a new lender.

Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, we are here to offer you our guidance and advice.

Frequently Asked Questions:

Is it worth doing?
This depends on your circumstances, the mortgage outstanding and the Interest Rate you are on.  We gather all the relevant information before making a recommendation.  The whole point of reviewing your options is to ensure that any course of action taken is financially beneficial to you. For example, you could be on your lenders Standard Variable Rate and the monthly mortgage payments are easily manageable, so you feel no urgency to review your situation.  However, there could be a lower interest rate product available to you, which would allow you to maintain your current monthly payment and repay your mortgage sooner. There is also the prospect that interest rates can increase, so planning ahead is important rather than burying your head in the sand and hoping for the best.
How much will it cost?
The majority of lenders offer a free Valuation and free standard legal fees.  There are also products that offer no lender product/arrangement fee. Any costs are always discussed and issued in writing prior to any Mortgage Application being submitted to ensure that you are completely happy.
Can I afford it?
You will be required to provide proof of your income and expenditure.  Your current circumstances and future objectives will be discussed to ensure that any recommendation made is affordable to you.
Will a re-mortgage impact on my unsecured (loans/credit cards) borrowing?
It is more the other way round, as your unsecured borrowing can reduce your mortgage borrowing capacity. This will depend on your income, expenditure and credit score. A full fact find is always done with you with various documentation requested to ensure that we have the full picture of your circumstances before any Mortgage Application is submitted. We look to improve your financial situation by a re-mortgage and should this not be the case we would not recommend that you proceed.
Can I change the type of mortgage?
A full fact find is carried out to establish your current circumstances and future objectives, taking into account your attitude to risk.  We can also compare the different types of products for you before making a recommendation. For example, there would be no point recommendation a Fixed Rate product with an initial deal period over 5 years if you intend to sell your property after the next 2 years.
Do I have to stay with my current lender?
No, you don’t have to remain with your existing, however they may offer you a further deal period which is more competitive than another lender can offer. We can confirm the best course of action for you.
Will any change of circumstances be relevant?
Yes, you could now have more or less income than when you started your current mortgage, started a family, taken on unsecured borrowing or become self-employed for example. Come and have a chat with us, so we can provide you with the appropriate advice and guidance.
The remortgage market is complex. There are many different mortgages to choose from.  So it’s good to know that we are on hand to answer your questions.  We will help you with the process of not only getting a mortgage, but getting the right mortgage.

We take pride in offering a personal service that takes into account your individual circumstances.  You are unique and so is your financial situation, so we work hard to understand your goals and aspirations, making financial recommendations based on a comprehensive and detailed analysis of your needs.

We can answer all your questions, offering you the most appropriate guidance and advice for YOU.

View our factsheets for further information:
Remortgaging Your Property | Mortgages & Protection 

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority do not regulate buy to let mortgages.

Contact us or pop in to the office for an informal chat