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Remortgages

An adviser will help you decide if it’s beneficial for you to switch lender.

If you are an existing homeowner, there are many reasons why you may want to remortgage.

This may be anything from trying to seek a lower monthly payment by obtaining a lower mortgage rate than the one you are paying now or simply to borrow more money, for instance, to fund home improvements.

Your adviser will do their utmost to find a mortgage package that best suits your needs and requirements (i.e. your time constraints, budget, attitude to risk, lifestyle etc.) They will treat your mortgage application with a proactive approach whilst delivering a personal and efficient service.

They will also look at the best product your current lender can offer before searching for a more competitive deal from another lender.

This way they can assess if it will be financially beneficial to switch to another lender or stay with your current lender. Your adviser will take into account any fees which would be payable if you do switch, these may include broker, lender arrangement, valuation and legal fees. It may be worth noting that many lenders offer free valuation and legal fees on remortgages.

After your adviser has carried out a review of the market, you will be advised of the options available to you and recommend options which best meets your needs.

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service https://www.moneyadviceservice.org.uk/en these services may be more suitable for you.

Please be aware that by clicking on the above links you are leaving Easy Street Financial Services website.  Please note that Easy Street Financial Services is not responsible for the accuracy of the information contained within the linked site(s) accessible from this page.

Your home may be repossessed if you do not keep up repayments on your mortgage

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