When your mortgage comes to an end, many people are deciding whether or not they want to remortgage. Typically, the decision is made three months before the final repayment date.
Remortgaging gives people an option to consolidate debts by taking out a mortgage and assuming more control over their finances.
“Whenever we buy or sell a home, MortgagesRM commits to facilitating the process with faster and smoother transactions than we experienced.”
When the time comes to remortgage your house, you may avoid a property chain. This is because this property belongs to you this time around and we want to make sure you have an easy experience.
With many years spent as a property owner, you are aware of the importance of getting a competitive mortgage rate. The small variance in rates can make an enormous difference to your repayments, so it’s essential that you get impartial advice when you’re looking for a mortgage deal.
Every client is given a specialist who will assist them with all financing needs. They are fully qualified and experienced in all aspects of remortgaging, making sure the client walks away satisfied.
Stephen Kerrigan, our mortgage advisor can provide you with expert advice on finding the best mortgage product for your needs, taking into account your specific circumstances when you remortgage.
Our specialist team will fill in all the relevant completion forms and liaise with solicitors, lenders and surveyors on your behalf. Nobody pays – it’s free!
Get in touch today to discover what our award winning MortgagesRM service can do for you.
The size of mortgage you can get depends on your income. Some lenders use a multiple of your income others look at how much you can afford based on your income and outgoings.
As a rough guide, a typical multiple is four times your income. This figure could be higher or lower depending upon your individual circumstances and different lenders’ criteria.
Lenders who look at what you can afford base this on the number of people applying for the mortgage and any loans or debts that you have outstanding. Some lenders offer very good deals for first time buyers, so it always worth asking us to research the market on your behalf.
It is worth remembering the additional costs, on top of your deposit and mortgage that you will be expected to pay.
For example, you will have to pay for the survey and the valuation of the property, as well as solicitor’s fees.
You may also have fees to pay to the lender for your mortgage. These could be an arrangement fee and/or booking fee. Contact us to find out how much these fees may be.
Buying your first home can be a little bit daunting, but we’re here to help with all the challenges of finding your perfect place.
Looking for a better mortgage deal? Or to release some of the equity in your home? The process is often not as easy as it first appears.
Thinking of selling your existing property and moving to a new home? It’s important that you try and budget accurately. Find out why.
This can be one of the popular mortgage options available for those wishing to invest in the residential & rental property.
We noticed you’ve been here for some time now
Can we help you with your mortgage?