Bespoke Mortgage Services
Tailored to Meet your Needs
Reduce Monthly Payment
Capital Raising
Debt Consolidation

There are three main reasons for remortgaging:

1. To Save Money - If you are currently paying interest at your mortgage lender’s standard variable rate, you can almost certainly save thousands of pounds on your mortgage payments if you take up a deal which involves discounted or fixed rates.

2. To Raise Capital  -  You may wish to spend money on items such as home improvements, cars, school fees, a deposit for a ‘Buy to Let’ or business purposes.  We will ensure we choose a lender that will agree the reason for capital raising before the remortgage takes place.  Raising capital against the security of your home is one of the cheapest ways to borrow money.

3. For Consolidation - If you have a number of loans, HP and/or credit cards as well as a mortgage, a remortgage to consolidate all borrowings may reduce your total monthly outgoings considerably. As you are consolidating your existing financial commitments, you should therefore be aware that whilst this may mean you will make short term savings, over the long term, you may end up paying more interest.  This is because you may be extending the period of the loan considerably. You may also be transferring previously unsecured debts to a mortgage which is secured on your home.

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