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“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.”

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“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.

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

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“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

Interest Only Mortgages

An interest only mortgage is one whereby you pay the interest charged by your lender each month but do not reduce the capital borrowed. The main advantage of this type of mortgage therefore is that the monthly repayments are lower than for a repayment remortgage. However, at the end of the term of the interest only mortgage you will still own the full amount borrowed and will need some means of repaying this if you wish to keep the property.

If you intend staying in the property for the full term of the mortgage (typically 25 years) you may speculate that by this time the original amount borrowed will be sufficiently small due to the effects of inflation and, therefore, easy to repay. But very few people do stay in the same property for 25 years and you could find yourself in a 'negative equity' situation if the value of the property falls. If you wish to move home you may find that you cannot do this as you would have to pay the lender the full amount due which may be more than you can sell the property for.

Always get independent advice on these products! 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. FREE AND NO OBLIGATION!

Please tell us about yourself
Required mortgage type
First name*
Last name*
Date of birth*
House Number*
Email Address*
Is this a single or joint application?*
Joint    Single
Your property and mortgage details
Mortgage amount required (£)*
Approx. amount of any unsecured loans (£)
Have you found the property you wish to buy?*
  Yes    No
Would you like to save money on your life insurance?
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Would you like to save money on your buildings and contents insurance?
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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

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