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Remortgage Advice in York

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Let us Find you the Perfect Remortgage in York!

Towards the end of your mortgage term, it’s recommended that you start looking at a Remortgage. This is where your Mortgage Advisor in York will look at your current deal and looks to help you switch to one with better interest rates.

 

If you’ve spoken to a Mortgage Broker in York like us, you’ll usually be sent a reminder around 6 months before your term is due to finish, in order to get the ball rolling ahead of schedule.

 

Remortgage rates mostly track the base rate of the Bank of England. At the time of writing, interest rates have been at an all-time low since March 2009. Those who are currently on higher rates may be able to transfer to a lower rate, saving them money on their monthly repayments.

 

No matter what type of remortgage advice you need, as a dedicated and committed Mortgage Broker in York, we will do all required to make sure that you end up with the best product available for your situation.

 

Whether you are looking to fix your mortgage interest rate for a new fixed period, needing to remortgage because you are separating/divorcing or just need to raise money by remortgaging, we are here to assist.

 

We will literally search through thousands of deals in order to find the best remortgage to suit your particular circumstances.

 

We are completely Open & Honest with our Mortgage Advice in York, if we can’t find you a better deal, or if the best solution is to stay with your current lender, then we will be sure to let you know.

 

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 York

  • 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 York will help find you the best solution for your circumstances.

 

Contact us today to book your free remortgage consultation in York & 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 York are available daytimes, evenings or weekends.

 

Our Mortgage Advisors in York 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 York, 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 at Reviews.co.uk to see what others have said about our facilities.

 

As your mortgage advisor in York, 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

Typically speaking, your initial free remortgage consultation in York will last around 60 minutes. We will then compare a new deal vs your current product and recommend the most appropriate one, of which you are not obligated to accept. You can then decide whether you wish to go ahead with the mortgage, or take a step back.

You may be able to Remortgage in York and increase the size of your mortgage, in order to pay off any unsecured debts you may have accrued. There are downsides to this though so it is recommended that you do not rush into it. We recommend that customers always seek Mortgage Advice in York before consolidating debts!

If you are on your lenders SVR (Standard Variable Rate of Interest), your chances of saving will go up. 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.

As your Mortgage Broker in York, 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.

The fees involved in Remortgaging will likely be no different when you first took out your mortgage. However, to be sure, your dedicated Mortgage Advisor in York will run through all of the fees with you. They will take these fees into consideration when comparing the savings of the new deal vs your current mortgage.

It may be possible to get a second mortgage on your home 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 in York.

If you have had credit problems you can still get a mortgage in York 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 in York. 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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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
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