Home » Mortgages

Remortgage

  • Bad Credit Remortgages
  • Debt Consolidation Remortgages
  • Fixed Rate Remortgages
  • Flexible Rate Remortgages
  • Buy to Let Remortgages
  • Self Cert Remortgages
  • Tracker Remortgages
  • Offset Remortgages
  • Interest Only Remortgages
  • Shared Ownership Remortgages
  • Right to Buy Remortgages
  • Commercial Remortgages
  • Equity Release Remortgages


  • 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.




fast free mortgage advice!

1 IN 5 OF US ARE PAYING TOO MUCH FOR OUR MORTGAGE! Looking to remortgage your commercial premises? Speak to a specialist today!

Enquire Now
Testimonials
young couple

“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

young couple

“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

young couple

“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

young couple

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

John, Surrey

young couple

“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

Commercial Remortgages

Commercial mortgages are a different animal to the mortgage you may already have on your residential property and there are various advantages and disadvantages to owning your own business premises rather than renting.

Commercial mortgages are not regulated by the FSA (Financial Services Authority) and whilst this does not, necessarily, mean that there is anything to worry about, it is worthwhile bearing this in mind.

The formula as to how much you can borrow for a commercial property is quite complex and it is recommended that you speak to a specialist broker for advice on this.

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.

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. value of the property you are remortgaging(£)*
Current lender*
Purpose of remortgage*
Your circumstances
If the answer to any of the questions below is Yes, please tick the box. 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?
Yes    No
Have you or the joint applicant ever had an IVA?
Yes    No
Have you or the joint applicant ever been declared bankrupt?
Yes    No
Have you or the joint applicant missed any mortgage or secured loan payments in the last 2 years?
Yes    No
Any other information


Are you Feeling the Crunch?

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.