Remortgage Advice

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remortgages

Our Mortgage advisers are local to you & will work with you every step of the way to make the Remortgage process simple, we will explain the entire process & do the paperwork.

Remortgage Advice

If you are considering a remortgage make sure to contact our local advisers. We will want to learn more about you, your circumstances, and your overall financial position. Using our expert knowledge and database of several thousand mortgages, we will find the ones that are most suitable for your remortgage needs

Why remortgage at all

The main reason that you might want to remortgage is to save money, sometimes there can be substantial savings on your current monthly Mortgage payments. Or you could be coming to the end of your current Mortgage products term meaning you may be on a non-competitive rate so again big savings can be made.

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If you ready to secure your dream home and protect it, the easiest way is to search our advisers, view their profile and drop them a message. They will call you back at your chosen day and time at no cost or obligation to you. If you would rather we connect you with the best adviser in your location just complete the quick form, we will arrange a callback for you.
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About Remortgages, information you may need

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Valuation fee

Lenders usually ask you to pay the valuation fee with your mortgage application form by credit/debit card. The type of valuation you choose will depend on factors such as the age and condition of the property and whether there is any history of subsidence in the area. If the valuation isn’t carried out the fee can be refunded

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Arrangement fee

You can either pay this by credit/debit card, or on completion of your mortgage. Some lenders will allow the fee to be added to your mortgage, but this means you will be charged interest on it over the term of the mortgage. You may get some or all of it back if the mortgage is declined or withdrawn (specified in your mortgage Illustration).

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Legal costs and fees

The fees charged by a solicitor include the charge for conveyancing (the transfer of ownership of land), and the costs of legal registrations and miscellaneous costs (known as disbursements) such as Local Search fees and Land Registry fees. You should try to obtain an estimate of these costs early on in the process. Some lenders may offer to finance some or all of the legal costs as an incentive

Stamp Duty

Early repayment charge (ERC)

Some lenders charge for early repayment of your loan before the end of the normal mortgage term. This can sometimes be a significant amount, so you should always check the terms in the offer letter from your lender. Your lender will be able to advise you on any ERCs that apply on your existing mortgage

Remortgage news & information

Your home may be repossessed if you do not keep up repayments on your mortgage
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