Remortgaging   

If you think that you're paying too much for your current mortgage, then you probably are and you're not alone. An estimated 80% of UK property owners are paying too much on their mortgage. There are currently millions of borrowers paying their lender’s standard variable rate (SVR). No lenders SVR will be the best deal they can offer.

More and more UK homeowners are moving their mortgage to save money. This is a good thing, considering that mortgage rates have dropped considerably over the last few years. If you are looking to replace your existing mortgage for one with lower repayments, why not let us find the best mortgage for your needs. Remember there is no obligation.

Take a look at some of the current mortgage rates available in the UK today and then use our monthly payment calculator to work out what your monthly outgoings will be on any new mortgage.

  Remortgage for any reason   

• Lower rates
• Cheaper repayments
• Raising Capital
• Debt Consolidation

  It is not a problem to us.   

• CCJ's
• No proof of income
• Self certification
• Missed payments / Arrears
• Defaults

We can help!

  We make remortgaging as simple as possible   

A remortgage is essentially no different to a normal mortgage, with one crucial difference - you are not buying a house. All you are doing is taking out a new mortgage to replace the old one, whilst moving your mortgage from one lender to another.

Remortgaging isn’t nearly as much hassle as most people think – particularly if you use our online enquiry form. Then one of our dedicated mortgage advisors will take care of your remortgage for you – making it all less effort than you first imagined!

  Why switch your mortgage?   

In today’s competitive market, many borrowers choose to switch their mortgage every few years in order to take advantage of the new rates on offer. However, a remortgage also allows you to release the equity that has accumulated over the years. Equity is the difference between your current mortgage and your property's value.

If you consider how house prices have increased in recent years, this could be a substantial sum. The extra cash you release could be used for any purpose such as clearing your credit cards and other loans or even splashing out on a once in a lifetime holiday.. It might even be enough for you to consider buying another property to rent out (or using as a deposit for a buy to let mortgage).

  Current or past mortgage arrears   

We understand that for no fault of their own some clients fall behind making their mortgage payments. Normally this is for reasons beyond their control, maybe their overtime was cut or they were off work due to sickness.

We also know that if you have mortgage arrears most bank's computer systems will automatically reject your remortgage application because you do not fit their present lending criteria.

Our advisors treat each client as an individual. We do not rely on inflexible computer systems to assess your application. We have mortgage products available depending on applicants criteria and the ability to keep up with the monthly repayments.

You will find that you may be able to clear any existing mortgage arrears direct from your new mortgage. You can then wipe the slate clean and use your new mortgage to start to rebuild your credit rating. You know this makes sense.

  Get your free mortgage quote! - click here   

Our experienced and qualified advisors have access to every UK mortgage lender and are able to choose from over 8500 products. We will only approach the lenders who can offer you the best deal, saving you time and money.

To get your quote, you just need to enter some basic information into our online mortgage quote form.

Remember, there is no obligation. An advisor will contact you as soon as possible.

Or if you prefer, you can call a fully trained mortgage advisor on 0161 - 343 - 8434. It takes a few minutes of your time but could save you thousands of pounds in interest payments and will eliminate any worries you may have about getting the best deal possible.