Whether you’re looking to consolidate your debts, find a better rate or release some cash from your home, our expert advisers can help you find the right deal for you.
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Are you paying too much on your mortgage?
When your current mortgage deal expires, homeowners often feel the financial pain of ‘payment shock’. Typically this happens when your fixed rate or tracker rate mortgage comes to the end of the agreed deal and your mortgage then reverts to the lender’s own variable rate. This is often much higher than the rate you had previously been paying. Choosing the right remortgage is just as important as the initial mortgage. At Mortgage Advice Centre, our advisors compare over 50 lenders on the market, and with access to the latest mortgage sourcing technology and over a decade of experience, they will tailor a suitable mortgage to fit your circumstances.
Why should I remortgage?
Well, the most common reason for remortgaging is to avoid moving on the lender’s own variable rate, after all it will often increase your monthly payment significantly whilst providing no security should your mortgage lender decide to increase their variable rate. You might be looking to remortgaging to seek more flexible terms or even borrow a little extra to do those much needed home improvements. It is important to consider whether a personal loan is more appropriate for this purpose as additional borrowing against your home does increase the risk of default. Whatever your reason, speak to one of our friendly mortgage advisors today and see how much we can save you on your mortgage.
How do I know it’s the right remortgage for me?
As part of our remortgage process we will look at all options available to you, even if that means staying with your current mortgage lender. We will not recommend you switch lenders just for the sale of it unless we can justify that you will be financial better off. That means will compare thousands of mortgage deals for you and weigh up all the costs including any lender fees. Many of our exclusive remortgage deals even come with no lender, survey fees and solicitor fees.
A tailor made approach to mortgage advice
Even for our remortgage customers we do not believe in a ‘one size fits all’ mortgage. No two customer’s circumstances are ever alike, and this is why we believe that the best advice starts from finding out about how you typically spend your money. We don’t want you to be living just to pay the mortgage. So whether you subscribe to Caravan Weekly, or have a regular season ticket for your favourite football team –we want to show you that you can afford to live a little as well as pay for your home. This is why our expert mortgage advisors always start off with a budget assessment.