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Remortgage Advice in Harrogate

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Towards the end of your mortgage term, we recommended that you start looking at a Remortgage. Your Mortgage Advisor in Harrogate will look at your current deal and seeks to help you switch to one with better interest rates. If you have spoken to a Mortgage Broker in Harrogate like us, you will usually get sent a reminder before your term is due to finish, to get the ball rolling ahead of schedule.

 

If your current mortgage deal is coming to an end or you need to borrow some extra money, then it could be the right time for you to Remortgage. Too many customers leave it too late and end up lapsing onto their Lender’s Standard Variable Rate. If this happens then, the chances are you are paying more than you need to be doing on your mortgage payments each month.

 

Remortgage for Home Improvements

If you feel your home would benefit from some upgrading, then it is possible to Remortgage for Home Improvements. Investing in your home can be an excellent investment. Some improvements, such as extensions or loft conversions, can put a value on your home, and you can increase your mortgage to pay for cosmetic alterations as well as structural work.

 

Some people borrow for Home Improvements even if they know their home may not go up in value. If you have decided you are already in your “forever home” and if you can afford it, there is nothing wrong with borrowing for this purpose at all.

 

Capital Raising Remortgage

You can borrow extra funds for most legal purposes, examples of this would be: You can raise capital on your property when you remortgage for almost any legal reason. In any case, this could be for large consumer purchases, gifts to help family members, to purchase a Buy to Let property or for Debt Consolidation. Remember you will pay interest on a Remortgage for many years usually, so it is essential you borrow for the right reasons.

 

Debt Consolidation Remortgage

When you add unsecured debt to your mortgage, you may end up paying back more interest overall because a mortgage term tends to be much longer than that of a personal loan (although it does not have to be). The other thing you need to think about is you taking unsecured debt and securing on your home? That does not sit comfortably with everyone as you are under the risk of repossession if you cannot afford to keep up your mortgage payments.

 

You will need to know the interest rates that apply to the debts that you are considering rolling into your mortgage. If you have 0% credit cards, then adding these to your mortgage will start attracting interest. It would be best if you considered all options before deciding to consolidate debts. If you have already chosen a Debt Consolidation, Remortgage could be right for you. Then it is vital you speak with one of our Mortgage Advisors in Harrogate they will help you recommend the right Remortgage and help you with your application.

 

No matter what type of remortgage advice you need, as a dedicated and committed mortgage broker in Harrogate, we will do all required to make sure that you end up with the best product available for your situation. We search through thousands of deals to find the best Remortgage to suit your circumstances.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Reasons why people choose us as there Experienced Mortgage Broker in Harrogate

  • You would like to raise funds for home improvements or to consolidate unsecured lending.
  • An improved interest rate would save you money.
  • You and your partner or co-owner of the property are splitting up.
  • You would like to fix your mortgage.
  • Your bank may have turned away your application for a remortgage purely because your credit file was not good enough or you did not match with their stipulated lending criteria.

 

No matter which of these categories you fall into, we will do all possible to assist. Whatever your Remortgage requirements, our experienced Mortgage Advisors in Harrogate will help find you the best solution for your circumstances. Contact us today to book your free remortgage consultation in Harrogate & see how we can help you.

Reasons to choose Harrogatemoneyman | Free Remortgage Consultation

We offer all our customers a free remortgage consultation. We understand the busy lifestyles of today that is why our free remortgage consultations with your Mortgage Advisor in Harrogate are available daytimes, evenings or weekends. Our Mortgage Advisors in Harrogate have a wealth of knowledge when it comes to helping customers Remortgage.

 

Whether you are looking to release equity or secure a better rate, we are ready to help you find the perfect Remortgage deal. Always remember that as a Mortgage Broker in Harrogate, we are here to help you. Friendly, helpful and patient, whatever questions you may have with regard to your remortgage, these will be answered by our expert team.

 

We want you to feel happy and relaxed throughout the whole process. Check out our feedback on our Reviews Page to see what others have said about our amazing customer service! As your mortgage advisor in Harrogate, we are here to help you. Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

Your chances of saving money go up if you are on your lenders SVR (Standard Variable Rate of Interest). We will compare the new products available against your current mortgage deal, in order to work out these savings for you. If you have equity in your property, a remortgage would also allow you to release some of this money if required. Usually, this is used for things like home improvements.

You can remortgage and increase the size of your mortgage to pay off any unsecured debts you may have. Please do not rush into this though as there are some downsides. We recommend that customers always seek Mortgage Advice in Harrogate before consolidating debts!

Your initial free remortgage consultation in Harrogate will last around 1 hour. We will then compare a new deal vs your current product and recommend the most appropriate one, with no obligation to you. You can then decide whether you wish to go ahead with the mortgage, or take a step back.

The fees will be similar to the ones involved when you started your current mortgage. However, your dedicated Mortgage Advisor in Harrogate will run through all of the fees with you. Taking these into consideration when comparing the savings of the new deal vs your current mortgage.

As your Mortgage Broker in Harrogate, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

It may be possible to get a second mortgage on your home in Harrogate for things like debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action for Remortgaging.

Step 2

We will search and compare 1000s of products to find you the best deal!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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Harrogatemoneyman.com & Harrogatemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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