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Remortgage Advice in Derby

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Let us Find you the Perfect Remortgage!

 

When it comes to remortgaging, we understand sometimes you may be uncertain as to whether it may be the right path for you to go down. Switching contracts and certain products is quite common with such things as mobile phone contracts, utility charges, etc. But is not often thought about when looking at such things as Mortgages.

 

By switching your mortgage you may be able to save yourself money, raise cash and even reduce your outgoing monthly payments which will help in the long term. If you choose to not switch your mortgage product then you might be paying more monthly then you should be, especially if you’re on your lenders’ standard variable rate when you could be experiencing lower, fixed-term rates from other providers who offer better deals for you.

 

That’s why coming to a Mortgage Broker in Derby like us will mean you get reliable Mortgage Advice in Derby and a remortgage deal which will be tailored to your individual needs as we have 1000’s of remortgage deals available at our disposal.

 

Our Mortgage Advisors in Derby will work with you to determine whether remortgaging is the right choice for you and also to help you to understand the remortgage deals that you will be taking on.

We will use our mortgage consultation to check the terms and conditions of your current mortgage and to figure out whether you’re tied into your deal or if there are any redemption penalties.

 

The process can vary when remortgaging a property. So seeking Remortgage Advice in Derby from an expert Mortgage Broker in Derby, can help you make the undertaking of a remortgage even easier, even if your circumstances have changed from what they were originally.

 

We recommend you speak to us 3-6 months before your existing rate is due to expire so we have enough time to help you with the situation at hand. We will compare what your existing lender can offer you with other lenders on the market so that you know you’re getting the most suitable product and remortgaging is a smooth and easy process.

 

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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As an Experienced Mortgage Broker in Derby

We have come across most Remortgage situations; we have listed some of the popular ones below:

  • Is your current Fixed-Rate Mortgage coming to an end, and you are looking for a better rate?
  • Would you like to raise capital for a large purchase, such as Home improvements or Weddings, etc?
  • Do you want to fix your monthly mortgage payment to protect against interest rate increases?
  • To remove a name from a mortgage (This is rather common in marital separation)
  • Declined by your current provider as your credit profile has changed since taking out your current mortgage deal, or your current provider will not lend enough.
  • Have a complicated Remortgage situation and need help?
  • Debt Consolidation to explore the costs of combining unsecured debts on credit cards, loans etc. onto your mortgage.

It is essential that you seek advice from an experienced Mortgage Advisor in Derby when looking to secure debts against your home as we must make you aware of the risks involved in carrying out debt consolidation.

 

Whatever your Remortgage requirements, our experienced Mortgage Advisors in Derby will help find you the best solution for your circumstances.

 

Contact us today to book your free remortgage consultation in Derby & see how we can help you.

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 Derby are available daytimes, evenings or weekends.

 

Our Mortgage Advisors in Derby 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.

 

Unlike your Bank, we are able to search through 1000s of remortgage products to find you the best deal for your individual circumstances.

 

We really do love what we do here at Derbymoneyman, and this really shows through in our genuine customer reviews.

 

Contact us today to book your free remortgage consultation in Derby & see how we can help you.

What our customers say

Common mortgage
questions

If you happen to find yourself on your lenders SVR (Standard Variable Rate of Interest), it is very likely you will be able to save money! An experienced remortgage advisor will compare the new products available against your current mortgage deal to work out these savings for you. If you have any existing equity in your property, a remortgage would also allow you to release some of this money for anything from a supplemented income, to home improvements and alterations.

You have the option to remortgage and increase the size of your mortgage if you need to pay off any unsecured debts. This is not something we recommend rushing into though as there are some negatives to look out for. You should always seek Mortgage Advice in Derby before consolidating your debts!

Your free initial remortgage consultation in Derby will last for about 1 hour. A trusted mortgage advisor in Derby will then compare a new deal vs your current product, recommending the most suitable with no obligation for you to proceed, if that is what you would prefer.

The fees involved with your remortgage will work more or less the same way as your existing mortgage did. That being said, your dedicated Mortgage Advisor in Derby will still go through all of the fees with you. They will take these fees into consideration when comparing the savings of the new deal against your existing mortgage.

As a dedicated and trusted mortgage broker in Derby, we will carry out a Fact Find to establish your circumstances & needs prior to recommending the most suitable mortgage for you. A credit check will then be required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been carried out, a formal mortgage offer can be issued to you.

If you’re looking to make any potential home improvements or consolidate any debt, then it can be possible to get a second mortgage on your home. Second Mortgages are also usable for if you are wanting to take out a mortgage for a family member, a holiday home or a Buy to Let.

If you have had credit problems, it could still be possible for you to get a mortgage, however, you may need to put down a higher deposit than usual. This could be 15% of the purchase price.

To prove your income to a lender, it’s usually three payslips for an employee. If you are self-employed, it’s the latest 2 years’ accounts. In addition you will need to produce the lender with proof of ID, address and the latest 3 months’ bank statements.

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We make it so easy!
Our 4 step process

Step 1

An initial telephone call where we take some details and look at your Remortgage plan.

Step 2

A discussion about your personal requirements. You already own the property this time around, you can avoid the property chain!

Step 3

We will search and compare 1000s of products to find you the most appropriate deal.

Step 4

Application stage - We'll ensure everything goes smoothly with the lender. You'll have our support from your initial contact right through to when your remortgage process has completed.

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.

Handy quick links

Derbymoneyman.com & Derbymoneyman 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.

© 2021 Derbymoneyman

Derbymoneyman – 19 St Christophers Way, Pride Park, Derby, DE24 8JY.

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