Remortgaging

REMORTGAGE HELP FOR HOMEOWNERS

HOMEOWNER REMORTGAGING

Staying on top of your mortgage situation is essential. Over half of UK homeowners overspend by thousands of pounds on their mortgage by going onto the standard variable rate and not remortgaging. Most of us stay on top of our mobile phone contracts, car insurance and utility services, so we also need to make sure that your mortgage rate is the best it can be.

We know choice is important, so we have access to over 50 of the UK’s best known lenders offering thousands of mortgages, and some exclusive deals that you won’t find anywhere else. But we also know that choice requires guidance and advice. We spend time getting to know you and your specific circumstances, and we will help you understand:

  • How much you can borrow
  • The extra costs you need to consider
  • How to protect your investment
  • Which mortgage deal is most suitable

Most importantly, we’ll support you throughout the purchase process. That way, you can be sure someone is there to guide you every step of the way. With rates at a record low, there may never be a better time to remortgage…

Reasons To Re-Mortgage

  • one

    You Want To Save Money

    Going on to the standard-variable-rate at the end of your fixed term may not be the best mortgage rate available to you. By contacting one of our Mortgage Advisers 3-4 months before your current mortgage expires, we can ensure you are always on the rate that's right for you.

  • two

    You Want to Borrow More

    If there has been an increase in your income and/or an increase in your properties value, you may be able to increase the value of your mortgage amount. This can be beneficial for any major financial outlays such as weddings or your children's university fees, especially as it can be cheaper than borrowing from other sources.

  • three

    You Want To Consolidate Debt

    Remortgaging can enable you to consolidate other debts such as credit cards and loans, which typically have a higher interest rate than a mortgage. However it could mean that you pay more interest over your mortgage period, so should be carefully discussed with one of our qualified Mortgage Advisers.

  • four

    You Want More Flexibility

    Maybe you have inherited some money, or had a pay rise and want to pay extra off your mortgage, but your current deal limits your over-payments. A remortgage will allow you to reduce the size of your loan and possibly get a better interest rate.

  • five

    Your Current Deal Is About to End

    Even if none of the above situations particularly relate to you, when your current mortgage comes to an end, you will be put on your lender's standard variable rate, which is likely to be higher than both your previous rate and current deals available. Call us 3-4 months before your deals ends to get ready to re-mortgage on to a better rate.

How We Can Help With Re-Mortgaging

Re-mortgaging is every bit as important as selecting your first mortgage. You can re-mortgage by getting a different rate with your existing mortgage provider or by switching to a new lender. Our qualified Mortgage Advisers can assess your personal circumstance, the current deals available and match you up to the right solution.

There are many different options when re-mortgaging; fixed rate or variable discount rates, mortgage  terms ranging from 2, 3 or 5 years in length. There may be fees involved such as early repayment charges, valuation fees and legal fees. So when re-mortgaging, it's important to fully understand all of the details, but don't worry, our experienced Mortgage Advisers will guide you every step of the way!

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

What Our Clents Say

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Shauna McAleavey

Newry

If we hadn't had such good advice from Bronagh in the Newry branch, we wouldn't of been able to get our dream home! They put the customer first and find the best mortgage for you.

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Ken Whiteside

Newtownards

It was exactly 10weeks from we made the phone call to Sonya in mortgage solutions in Newtownards to we had the keys in our hands.Sonya was first class. They put the customer first and found the best mortgage for us.

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Aine Moyne

Derry/L'Derry

Claire knows her market well and can sort you out with the finance to suit your situation.

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Christopher O'Farrell

Dungannon

I used Cathy for sourcing my mortgage and all my insurance’s. She got the best deals going for me. Everything went through nice and fast. I’d recommend Cathy to everyone.

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Sarah Lou

Lurgan

Excellent service from Dermot and his team. Every step was fully explained and Dermot was there to answer any questions. Would definitely recommend 5*

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Selina Spiers

Magherafelt

I could not recommend Pawan enough, nothing is ever a problem. He made it all so quick and simple, no hassle. Now we are looking forward to moving into our beautiful new home. Thanks Pawan!

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Hugh O'Neill

Armagh

Me and my fiancee just moved into our new home in Armagh. Monica and John made the whole process very simple and easy, especially as we were relocating. Could not ask for better service and advice. Highly recommend.

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Shauneen O'Neill

Ballymena

Me and my partner wanted to buy are 1st home and didn't know where to start. They answered all out questions in a way we could understand. Sorted the mortgage that was best for us along with our life insurance. Which was a great help. I would 100% recommend them to any 1st time buyers.

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