Remortgaging your home doesn’t have to be complicated and it can save you money over the lifetime of a mortgage.
Many people decide to take out a new mortgage on their property for eight main reasons:
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Rhys has been providing me with mortgage advice for the passed 5 years. His service and professionalism is always first class throughout. Rhys is very knowledgeable, easy to talk to and explains every aspect throughout the process. Rhys is easily contacted at any time which is a must when bidding on property in a competitive market. Highly recommended!
Your current mortgage deal is about to end.
Many of the top mortgage deals are limited to two to five years, after which you may be transitioned to the less attractive Standard Variable Rate (SVR) of the lender.
This is an ideal time to remortgage and potentially make huge savings
You want to overpay your mortgage, but your current lender won’t allow you.
Lenders make their money through interest rates over the lifetime of a mortgage.
So, unsurprisingly, some lenders aren’t thrilled about homeowners paying their mortgages off sooner.
You’re worried about a hike in mortgage interest rates.
Interest rates can go up and down depending on how the economy performs.
And a hike in your interest rates could mean a significant increase in your monthly repayments, which is why some choose to remortgage and find better interest rates.
You want to switch a repayment mortgage from an interest-only mortgage.
If you’ve only been paying back the interest on your mortgage, you might now be ready to start a full repayment mortgage.
The value of your home has significantly increased.
If your house has significantly increased in value since you initially took out your current mortgage, then you might consider remortgaging.
That’s because you are more likely to be now in a lower LTV (Loan-To-Value) band and can benefit from lower rates.
You want a flexible mortgage that fits better with your current lifestyle.
Our lives are ever-changing.
What was perfect five years ago might not work for us today.
Perhaps you’re going back to full-time education, thinking about travelling for a year or changing jobs.
Whatever the reason, you might want payment holidays, and you’ll want a flexible mortgage that fits your lifestyle.
You want to borrow more money.
Remortgaging can free up money in your home that you could put towards home improvements, holidays, a new car or even debt consolidation.
With lots of options to choose from, we can find a deal that suits you.
Fancy an Americano or Cappuccino? Let’s talk home-buying goals over a lovely cup of Joe.
You’re juggling work, family, and everyday life. That’s why we’re happy to work around your busy schedule, including weekend appointments.
Don’t worry about confusing mortgage jargon; we’ll take care of everything from start to finish.
Every person is different, with their own set of circumstances. That’s why all of our advice is tailored to you.
We’ll take care of all the paperwork, allowing you to focus on more exciting things.
Whether it’s us coming to your home or you calling in to see us in our office, let’s enjoy a coffee and a chat.
We’ll explore your circumstances, gather information, explore your options, and it’s also an excellent opportunity to ask us any questions.
And once we’ve pre-approved your mortgage, you’ll be able to bid on your future home with confidence.
With access to over 50 providers in the UK, you can be sure we’ll find a deal to suit you and your needs.
Once we’ve found you a great deal, we’ll complete the entire mortgage application on your behalf.
Once you’ve got your full mortgage offer, you’re one step closer to your dream home.
And once your mortgage offer has been approved, we’ll scour the market to find you a buildings insurance deal that’ll keep your lender happy.
Taking on a mortgage is usually the most significant financial commitment you’ll ever undertake.
So, it’s only natural you’ll want to protect it, and you, should anything happen.
RM Financial Consultants Ltd will give you our unbiased advice and find you deals for home, health, life, and income protection.
Congratulations!
That wasn’t too bad, was it?
Remember, just a couple of months ago, we were having a chat over coffee, and now you’ve got your new home!
Need a hand moving in?
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The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Debt Consolidation Think carefully before securing other debts against your home. Consolidating debt may reduce your outgoings now, but you may end up paying more overall. Your home may be repossessed if you do not keep up repayments on your mortgage.
