Home movers
Moving home is never as simple as it should be, there are always complications. Our experience, knowledge and easy manner, mean that getting your mortgage isn’t one of them.
Of course, your mortgage is a commitment which will last decades; you need to get it right. Fixed, discounted, tracker, capped, collar, the choice is frankly bewildering. As independent advisers we have hundreds of mortgage lenders and thousands of deals available to us.
We’ll make sure you get the mortgage that’s right for you. But we’ll do even more. From our initial discussions, right the way through to you getting the keys to your new home, we’ll hold your hand, sit in your corner and when necessary, put an arm around your shoulder.
To put it more simply, we are on your side.
Remortgages
Most mortgages take decades to repay, but that doesn’t mean you have to stay with the same lender. Since the financial crisis, we’ve seen interest rates fall and new banks entering the market. That’s a combination which puts you, the borrower, in control.
As independent mortgage advisers we’re in your corner, advising you on the best option for you. That might be to stay with your existing lender and renegotiate your deal, it might mean considering an alternative.
You might be paying your lender’s Standard Variable Rate and want to reduce your payments; alternatively, now might be the right time to consider a fixed rate.
Whether you are coming to the end of your current mortgage deal, or you’re paying your Standard Variable Rate, you can trust us to give truly independent mortgage advice and do what’s right for you.
- Capital Raise: Borrow more than your current mortgage balance to fund an expenditure (debts, another purchase, home improvements, etc.
- Process: A new lender pays off your existing mortgage, setting up a separate mortgage on your current home, often alongside a new mortgage for your next property.
- Reasons to Remortgage: Switch to a better rate, avoid the high Standard Variable Rate (SVR), or release equity for a new purchase, consolidate to reduce commitments).
- Financial Requirements: Lenders typically allow up to 6× your annual income (in some cases), with standard affordability checks.
- Costs: May include legal fees, valuation charges, and early repayment fees from your existing lender.
Other Options
Porting - Move your current deal to a new home.
Product Transfer - Switch to a new deal
Interested in finding out more? Ask your Adviser about these options and we can talk you through them.
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