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Remortgage Advice

Let us easily compare your current Mortgage against the rest of the market

Save time re-mortgage online

14 years providing excellent advice

Make sure you are not paying too much on your mortgage, we search the whole market to ensure you get the best deal

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What is a re-mortgage ?

A remortgage is when the borrower pays off their mortgage with a mortgage from a second lender. We will compare the rate your existing lender provides you against the whole of market to make sure we get you the best deal.

People remortgage to obtain a better interest rate, to reduce monthly payments or to release some of the cash from the rise in price of their property. It is possible to remortgage so that you can consolidate your debts through the funds obtained, resulting in reducing your overall monthly payments, our advisors will discuss the considerations with you. When remortgaging you should be aware of any penalties that are in the mortgage contract if you are to change lender. These are often present when you are on a fixed rate. After the fixed rate has finished and penalties have ceased you can look to remortgage without a penalty. Before you remortgage you should be aware of the amount that you are remortgaing for, your mortgage advisor will inform you if you qualify for the amount which you want to borrow. Your advisor will inform you of the savings that you will make and what benefits there are if you choose to remortgage with another lender. It is always advisable to review your mortgage so that you are not missing out on any possible savings.

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When should I re-mortgage ?

You should start looking at  re-mortgage options around 4 months before your existing deal is due to expire. Once you current deal expires then you are likely to move onto your lenders standard variable rate which could considerably  increase your mortgage payments.

Pre-planning and re-mortgaging early means that you can get your mortgage offer in place and the conveyancing work done  ready to change mortgage lenders when your current deal ends. This will avoid you having to go onto the Standard Variable lenders variable rate and ultimately save you money.

 

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Should I just stay with my current lender ?

When we do our research we will compare against your current lenders existing customer rates to see if it is worth re-mortgaging to another lender. We will make sure you get the best rate and in alot of instances we are able to do product switches with your current lender if required.

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Why do I need to re-mortgage ?

A re-mortgage is required so that you can move onto another competitive rate when your deal ends. When you re-mortgage you maybe able to do the following :

  • Release funds from the equity  property
  • Remove or add applicants on the mortgage
  • Pay a lump sum off the mortgage
  • Change the title of the property
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Super helpful and friendly with offering mortgage advice and I really felt he understood our situation. Everything was very smooth and efficient. I also really appreciated being able to speak to him in the evenings rather than only be available in office hours. Would use again and highly recommend.

Charlotte Barnett

Gave fantastic service and found not only a great mortgage deal, solicitor and life insurance policy for us but was always on hand to support throughout our house sale and purchase. T horoughly recommend his service 5 stars will definitely use again.

James Cook

Was incredible and found us the best deal out there! Wouldnt hesitate to recommend to anyone

James Simpson

Meeting Ryan has been a breath of fresh air and such a simple process. We had complicated circumstances with being self employed amongst a few other things but within a couple of weeks we had a suitable mortgage offer and the week after the application was in process. Ryan has been incredibly efficient in every way and i can't thank him enough.

Debi Dudding

I received a top notch service from these guys. Ryan was relaxed but on the ball with everything and was able to assist me throughout the process. He was approachable by email and phone, the communications were really very good

Coll Faragher

Helped us out so much in finding the right mortgage for us and navigated us through the whole process easily and smoothly in what wasn't a straight forward mortgage situation. Super friendly, easy to get on with and above all, knowledgable

Lucy Jenner Brown

Providing mortgage advice in Cornwall for over 14 years

Our mortgage brokers in Cornwall and offer both telephone and face to face advice. You will always speak to qualified advisor who will expertly help you.

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