Specialist Remortgage Broker in Wirral, Liverpool and Chester
Just because you've been accepted for a mortgage in the past, doesn't mean you'd be accepted again. But we can make it happen.
What is a remortgage?
Remortgaging is where you are replacing your current mortgage with a new one. If you currently have a mortgage or own your property outright, you will be able to remortgage.
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Even if your mortgage has 25 years left on it, it doesn't mean you have to stay tied in, you can search for a better deal.
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The process of remortgaging is similar to when you took out your first mortgage and will depend on a number of things, such as the value of your property, the amount of equity there is, whether or not you're borrowing additional funds etc.
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Therefore remortgaging can be difficult, so working with a specialist remortgage broker (like us) will be the best way to ensure you get the best deal and remove all the stress out of the process.
Is your current mortgage deal coming to an end?
If your current mortgage deal is due to expire within 6 months then now is the time to start shopping around for your next deal.
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Your current mortgage lender may get in touch with you to secure a new mortgage, however, we advise against this as this may not be the cheapest deal available.
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We can assist you in finding your new deal by searching the full market to ensure you get the best savings on your monthly repayments.
Other reasons why you may need to remortgage..
You may want to remortgage if you're already on the standard variable rate, or to amend the term, or if you even wanted to consolidate any others debts.
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Remortgaging can also be used to take out further funds for reasons such as home improvements, buying another property, etc..
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Current deal is coming to an end. Remortgage to stay on a better deal.
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Your home has gone up in value.
Remortgaging might get you a better deal, saving you money.
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You can take equity from your home to pay for such things as home improvements or debt consolidation.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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You may have to pay an early repayment charge to your existing lender if you remortgage.
"We found ourselves applying for remortgages. What could have been a complete nightmare actually ran extremely smoothly.
Tom was recommended to us and we would likewise happily recommend him to anyone looking for a mortgage
Sarah Nelson
We specialise in helping people with their remortgage, to help make mortgages easy. Our team work with people remortgaging all across the UK from Liverpool and Wirral, to London and Cardiff; wherever you are, we'll help you find the right lender and boost your chances. ​
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Remortgaging is never simple, especially if your circumstances have changed. Just because you were approved first time around, doesn't mean you'll just get accepted again.
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That's where we come in. We're whole of market mortgage advisers with access to over 80+ different mortgage lenders. With a proven track record of helping people remortgage their home, people just like you.