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NEWS:-

In recent weeks and months there's been a great deal in the news about the credit crunch and the housing market.

Lenders are withdrawing products and are being much more cautious about who they lend to and how much. They are also raising their rates and asking for bigger deposits. There are no 100% mortgages on the market at present so if you're looking to raise equity, in all likelihood the most you'll be able to get will be 90%. The higher percentage LTV (Loan to Value) you want the higher the interest rate you're likely to pay.

Customers of Northern Rock (who hit the news headlines in a big way recently) are having to go elsewhere if they want to renew their mortgage or are shopping around for a better deal.

So where does this leave us the consumer?

It is interesting that the mortgage lenders are reportedly withdrawing their products from the market because of capacity problems, ie a difficulty in actually processing enquiries - as much as because of difficulties in funding new mortgages.

Or is it because the big boys are capitalising on the general sentiment of dooma dn gloom to re-establish their once dominant position and dictate prices that will lead to even greater profits. Who knows?

Always seek independent advice when considering your mortgages options. We will access the whole market to find you the best product for your circumstances.

You no doubt want to ensure you get a better mortgage deal than the one you have. Whether you've just come out of a tie in (fixed rate, low start) or are looking to raise capital for any purpose our brokers will give you best advice. That advice may be to stay with your current lender.

Many lenders are now offering very attractive deals, but are they what they seem? An independent broker can compare these deals for you and advise whether there are any unfair charges or tie in periods that may not be apparent to you.

What if you need to raise cash or want to sell your house quickly? Many people have found they are prevented from doing this or subject to high redemption penalties (of several thousand pounds) when presented with this scenario.

moving home?

Get independent advice from a regulated FSA (Financial Services Authority) mortgage broker on thousands of different mortgage products. Speaking to an advisor can help you avoid unnecessary charges and risk.

Testimonials

“Thank your team for a truly excellent, top class service over a remortgage just completed especially Simply Finance who were very efficient.They will be highly recommended as far as I am concerned, in the future.”

Rosalind, Chesham

“When I visited your website I was desperate as my finances were in a real mess. You recommended us to a mortgage adviser and through their help and patience secured a mortgage for me through a building society who were sympathetic to my needs.

“For the first time in over four years I was able to sleep at night and thank you so much for helping me out. I have recommended you to all my friends and family.”

Robert, Crawley

“Thanks for an outstanding and efficient job. You guys are head and shoulders above all other websites I visited and the follow up from the mortgage advisers was prompt and efficient. You can be assured that I refer you to my friends as well as my clients.”

Julie, Brighton

“I thought that I would never be able to qualify for a mortgage after my bankruptcy. You are truly miracle workers.”

John, Surrey

“I was referred to RemortgageMe by a relative. It was at a time I needed real help in getting my financial situation in control.

“The whole process was so quick from filling in my details to the adviser calling me. I'm looking to complete on my remortgage next week.”

Peter, Nottingham

Moving Home (Fee Free Mortgages)

Many of us balk at the thought of paying a mortgage broker fee when we regard we could avoid paying this by applying for a mortgage directly to the lender. But not all brokers charge fees and those that do will always explain how much the fee will be and what it is they are charging for. At no stage are you under any obligation to pay this fee if you choose not to take the advice of the broker concerned or regard that the fees are too high.

To speak to an independent FSA (Financial Services Authority) regulated mortgage advisor now complete our no obligation enquiry form below. This service is completely free and your personal broker is under obligation to give you 'best advice' depending on your circumstances and requirements. Your personal independent broker may suggest other mortgage products to you that you may be unaware of.

Why paying an independent broker a small fee could save you money! Witness the Northern Rock situation.

However, if a mortgage advisor is charging a fee it may be worth considering whether you regard s/he has earnt that fee. The advisor will research the whole market for you to find you the best mortgage deal available for your circumstances and will identify any charges the lender may levy (including future redemption penalties) that may not be apparent to you. Also, the broker may contact you about other money saving offers available in the future. If you go directly to a lender that lender will only ever inform you of their own products which may not necessarily be the best on the market.

Many advisors will take pride in saving you money, and will rely on your future returning business and any referrals you may pass to them. Quite often, reluctance to pay a relatively modest fee can be a barrier to you saving money in the long term by allowing an expert, on your behalf, to inspect the product you are considering buying. Consider it no different to paying an AA or RAC mechanic a set fixed fee to inspect a car you are considering buying for that peace of mind. The mechanic, more often than not, will probably recoup his fee for you by negotiating a better deal on the car purchase! In the same way an independent advisor, in all likelihood, will achieve the same in saving you money as s/he will identify any hidden charges you may not have been aware of.

Always get independent advice on these products!

Please tell us about yourself

Required mortgage type

Title

First name*

Last name*

Date of birth*

Postcode*

House Number*

Address Line 2

Town/City

Telephone*

Mobile*

Email Address*

Is this a single or joint application?*

Joint Single

Your property and mortgage details

Mortgage amount required (£)*

Approx. mortgage outstanding (£)*

Value of the property being sold (£)*

Purchase price of the property being bought (£)*

Current lender*

Approx. amount of any secured loans (£)

Approx. amount of any unsecured loans (£)

(inc. credit card balances and overdrafts)

Purpose of mortgage

Your circumstances

Please tick any of the following that apply to you. This will not hinder your mortgage enquiry but will help us find the most suitable product for you.

Have you or the joint applicant had a CCJ in the last 3 years?

Have you or the joint applicant ever had an IVA?

Have you or the joint applicant ever been declared bankrupt?

Have you or the joint applicant missed any mortgage or secured loan payments in the last 2 years?

Any other information

Please add any other information that you feel may be important here.

RemortgageMe is an independently run website acting as an introducer to regulated advisors who can discuss and advise you on your mortgage options