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Remortgage Advice in Derby

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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:

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, hp, etc. On to 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 are on your lenders SVR (Standard Variable Rate of Interest) You will be very likely to be able to save money! We will compare the new products available against your current mortgage deal 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, for home improvements.

You can remortgage and increase the size of your mortgage to pay off unsecured debts. Please do not rush into this though as there are some downsides. Always seek Mortgage Advice before consolidating your debts!

Your free remortgage consultation in Derby will last around 1 hour. Your remortgage consultation can be carried out over the telephone or face to face. We will then compare a new deal vs your current product and recommend the most suitable with no obligation. You can then decide whether you wish to go ahead or not.

The fees will be similar to the ones involved when you started your current mortgage. However, your dedicated Mortgage Advisor in Derby 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 Derby, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then 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

It can be possible to get a second mortgage on your home for debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of 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 need to put down a higher deposit than usual, perhaps 15% of the purchase price.

To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for self-employed. In addition you will 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.

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.

© 2020 Derbymoneyman

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