The re-mortgaging process can often be complicated. With the help of our experienced mortgage advisors, we aim to ensure a simple and fast re-mortgage process.
With a no obligation first meeting, chat with our experienced mortgage advisers by telephone, Skype, FaceTime, social media or WhatsApp and discover how we can help you.
After working with hundreds of buyers, we discovered that the same circumstances kept cropping up.
As part of our initial consultation, we can look at a variety of factors, including:
Looking for a better deal, switching to a better rate
Personal circumstances affecting your needs
Previously been turned away from lender
Trapped on existing lenders standard variable rate
Changing names on a mortgage
Changing to a buy-to-let mortgage
Wanting to raise capital for home improvements
Relationship breakdown and separation
Getting divorced or separating
Wanting to raise capital for your business
Need to pay a tax bill
To protect yourself from future rises, you may wish to re-mortgage for a better deal.
Many customers, whose initial fixed rate deal is ending, go onto their lenders standard variable rate - This rate is normally higher than what you can get by doing a re-mortgage. So, it makes sense to shop around. We will review your mortgage periodically and touch base to ensure your always on the best rate and mortgage deal.
Start a conversationSometimes your current lender will be able to help.
Occasionally, we have found that your existing lender will offer you a great deal to stay with them. Obviously, we will check the deal against the other lenders available to you. But if it’s a great deal then why not stay. We can switch deals over for you with your current Lender, meaning you don’t have to even call them.
Start a conversationIt is a condition of all mortgages that you to have adequate buildings insurance in place. This is something we will help you with.
Making sure you can meet your monthly mortgage payments is a priority and your home may be repossessed if you don’t keep up the repayments. With this in mind, it is important to consider putting in place one of our tailormade, first-class, mortgage and lifestyle protection portfolio’s. This could include:
A lump sum of cash to pay off your mortgage if you die
A cash lump sum or monthly income if you get cancer or have a heart attack
A regular monthly income if you’re unable to work through an accident, sickness or disability
A regular income for your children, should you die or get a critical illness
A policy to cover if your children get a critical illness - £25,000 on average
A sick pay policy if your self-employed
A sick pay top up if you don’t get enough from your employer
A lump sum of cash if you become totally and permanently disabled
All relevant plans can be written into trust This will mean the beneficiary will get their money faster
A suitable person to write or review your wi
