Remortgage Angels

 

Finding it a headache searching for the right mortgage?

Why not let us work  to help find the best mortgage deal for your circumstances?  You don't need to visit every bank and building society, or sit at your computer for hours on end to find the lowest mortgage rates.   Whatever the reason for your remortgage - to pay off debts, home improvements, reduce monthly outgoings etc we can help.

1 minute could save you thousands of £££s!  FREE no obligation service!

 

Why use us?

  • 20 years experience matching the right mortgage products to thousands of people throughout the UK!
  • One of the UK's top 3 internet mortgage arrangers!
  • Save time and money by contacting different lenders for thousands of tailor made products!
  • All brokers CeMap qualified & FSA (Financial Services Authority) regulated!

Glossary

100% remortgage?

A 100% mortgage is one whereby you borrow the full amount of the property. If you have any other loans secured against the property these would be included in the calculation. Not all lenders offer 100% of the property value and those that do will usually charge a higher interest rate which will cost you more in the long run. If you are able to raise a deposit or retain some equity in the property this will allow you more choice, almost certainly save you money, and protect you from 'negative equity' should property prices fall. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Adverse remortgage?

It is estimated that one in four people in the UK may have credit problems such as bad debts, county court judgements (CCJs) or mortgage or loan arrears. This doesn't mean that you can't get a remortgage but many of the lenders that specialise in this area do not offer their services and products directly but via specialist qualified mortgage brokers. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Bridging mortgage/loan.

A bridging loan or mortgage is one that is taken out for a short period. The circumstances usually arise when moving home and unable to sell your property or often when buying a property at auction perhaps to sell on within a short period at a profit. You will usually pay a higher interest rate for this product as the lender may regard this as high risk so you must be confident that you will be able to repay the loan quickly. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Bad credit remortgage

It is estimated that one in four people in the UK may have credit problems such as bad debts, county court judgements (CCJs) or mortgage or loan arrears. This doesn't mean that you can't get a remortgage but many of the lenders that specialise in this area do not offer their services and products directly but via specialist qualified mortgage brokers. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Cashback mortgage

A cashback mortgage is one whereby you get just that, ie a cash lump sum once your mortgage has completed. There are a number of lenders that offer cashback mortgages and you can use the money for whatever purpose you wish. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Capped rate mortgage

A capped rate mortgage is one whereby the maximum interest rate you will pay is fixed for a set period of the mortgage term (maybe 2 years). This clearly works in your favour if interest rates rise above your capped rate for this period. There are a number of lenders currently offering capped rate deals. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Current account mortgage

A cuurent account mortgage is one whereby your mortgage account becomes your current account. Your earnings are paid directly into your 'mortgage current account' and you can use this account to pay direct debits etc. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Discounted variable rate mortgage?

A discounted variable rate mortgage is one whereby the lender offers a discount on the standard variable rate for a set introductory period. The rate may go up or down throughout this period and then will revert to the lender's standard variable rate. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Getting divorced, need to remortgage?

Getting divorced can be a difficult time, not least of all because of the financial complications. In most cases your property (and mortgage) will be in your joint names and this situation can lead people with good a credit history into difficulties. There are one or two lenders who offer products specifically aimed at helping people get back on their feet financially in this circumstance. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Endowment mortgage?

An endowment mortgage is one whereby you pay off only the interest charged for the period of the mortgage. This means that if you were to borrow £100,000 over 25 years you still have to pay back the full £100,000 at the end of this period. The advantage of this type of mortgage is that the monthly repayments are much lower than if you were repaying the loan as well. The disadvantage is that you need the means to pay off the full loan at the end of the period and this is usually done by investing in a savings policy known as an endowment. Provided the endowment policy reaches the target amount this can be a good way of keeping your monthly outgoings down. However, there has been much controversy in recent years as many endowment policies were showing a shortfall in the projected targets and the companies who sold these polices to consumers had to pay compensation for misselling. To get 'best advice' on these products  COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Fee free remortgage?

None of us like paying more than we have to for something so there are many mortgage products offered on a fee free basis which seems like a win-win situation. Often lenders will offer deals whereby they pay your legal fees and valuation fees as well which altogether can add up to several thousand pounds. But buyer beware! Whilst these deals appear to be attractive for these reasons the lenders are not charitable organisations and you could find yourself paying more in the long term in higher interest rates, long tie ins, and steep redemption penalties. To get 'best advice' on these products   COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Fixed rate remortgage?

A fixed rate mortgage is one whereby the interest charged on the loan is fixed for a set period which may be two years, five years or even the whole mortgage period. These products are currently very popular and do protect you from the effects of any sharp increases in interest rates that may affect a variable rate. Equally, if interest rates go down, then you could end up paying more than you would had you been on a variable rate. The main advantage, and peace of mind, you have is that you know exactly how much you will have to pay for the set period each month. However, once the set period ends you need to consider that your monthly payments could then suddenly increase. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Flexible remortgage?

A flexible mortgage mortgage is one whereby you can alter your monthly payments in line with your circumstances without penalty. For example, you may wish to make occasional overpayments (to pay off the mortgage quicker), make underpayments of even take a 'payment holiday' or draw down cash if the circumstances arise. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Interest only remortgage?

An interest only mortgage is one whereby you pay off only the interest charged for the period of the mortgage. This means that if you were to borrow £100,000 over 25 years you still have to pay back the full £100,000 at the end of this period. The advantage of this type of mortgage is that the monthly repayments are much lower than if you were repaying the loan as well. The disadvantage is that you need the means to pay off the full loan at the end of the period and this is usually done by investing in a savings policy known as an endowment. Provided the endowment policy reaches the target amount this can be a good way of keeping your monthly outgoings down for the period of the mortgage. However, there has been much controversy in recent years as many endowment policies were showing a shortfall in the projected targets and the companies who sold these polices to consumers had to pay compensation for misselling. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

ISA (Individual Savings Account) remortgage?

An ISA (Individual Savings Account) mortgage is one whereby you pay off only the interest charged for the period of the mortgage. This means that if you were to borrow £100,000 over 25 years you still have to pay back the full £100,000 at the end of this period. The advantage of this type of mortgage is that the monthly repayments are much lower than if you were repaying the loan as well. The disadvantage is that you need the means to pay off the full loan at the end of the period and this is usually done by investing in a savings policy, in this case and Individual Savings Account (ISA). To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

IVA (Individual Voluntary Arrangment) remortgage

If you have had an IVA in the past or are currently working through one, then getting a mortgage may not neccessarily be that difficult provided you know where to look for the best deal. Many of the mortgage products and services offered in this circumstance are not available directly and therefore you should seek advice from an independent qualified broker. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Keyworker remortgage?

There are a number of mortgage products and services aimed at helping keyworkers (eg teachers, nurses, local authority employees) to get on the property ladder in areas of the UK where property prices may otherwise prevent this. Shared ownership and group mortgages are examples of these types of schemes. Sometimes employers offer relocation incentives such as paying legal and conveyancing fees to attract keyworkers. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Lifetime rate remortgage?

A lifetime rate mortgage is mortgage whereby the rate or terms exist for the lifetime of the mortgage. Whether this be a fixed rate, tracker or offset mortgage there are advantages and disadvantages to this particular mortgage type. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Mortgage in principle?

A mortgage in principle is provided by a lender prior to you finding the property you wish to buy. The advantage of this is that you will know exactly how much you can afford once you find a property and also that the mortgage application will be a lot quicker (providing the information you have given the lender is accurate). Estate agents will also view you as a more serious proposition and may even find yourself in a stronger bargaining position with the vendor (seller). To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Offset mortgage?

Offsetting your mortgage is a away of paying off your mortgage early. The principle is that the interest on any savings or current account deposits (however small) are offset against the interest charged on your mortgage thus reducing the amount of interest you pay on the mortgage and offering a tax benefit. In some cases you can reduce the period you repay your mortgage by several years! Many of the top lenders (eg Barclays, Woolwich, Egg, Halifax and many more) offer a variety of offset mortgages as these are becoming increasingly popular. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Part and part mortgage?

A part and part mortgage is one whereby part of the mortgage is interest only and part of it is capital repayment. You may choose this option if you wish to keep your monthly outgoings low but still want to reduce the capital borrowed. The percentage split is down to you but if you borrowed £100,000 on a 50:50 split this would mean at the end of the mortgage term you would need the means to repay the £50,000 on which you have paid the interest only (see ISA, Endowment mortgage). Many lenders offer this option. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Pension mortgage?

A pension mortgage is one whereby the mortgage is usually on an interest only basis to be repaid from the lump sum you expect to receive from your pension when you retire. The advantage of a pension mortgage is that you receive attractive tax benefits associated with your pension but there are several disadvantages. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Pensioner remortgage - for the over 60s.

There are several lenders who offer products for borrowers over the age of 60 who may be approaching retirement or who have even retired already. Some lenders will lend to people over the age of 70. It is important that you have the means to repay the loan whether from your pension or other means of income. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Poor credit remortgage?

It is estimated that one in four people in the UK may have credit problems such as bad debts, county court judgements (CCJs) or mortgage or loan arrears. This doesn't mean that you can't get a remortgage but many of the lenders that specialise in this area do not offer their services and products directly but via specialist qualified mortgage brokers. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Remortgage to release equity

If you are looking to release equity, whether this be for debt consolidation, home improvements, a wedding, to buy a car or whatever reason there are literally thousands of mortgage products for you to choose from. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Remortgage to raise capital

If you are looking to raise capital, whether this be for debt consolidation, home improvements, wedding, to buy a car or whatever reason there are literally thousands of mortgage products for you to choose from. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Repayment remortgage?

A repayment, or capital repayment mortgage is a mortgage which you repay over the term of the loan. At the end of the term (typically 25 years) the entire amount borrowed has been repaid as well as the interest charged on the loan. The alternative to a repayment mortgage is an interest only mortgage whereby you just pay the interest charged and at the end of the term you need the means to pay off the original loan usually by means of a savings policy such as an ISA or Endowment. Your monthly repayments for a repayment mortgage will, of course, be higher because you are repaying the loan. You can structure your mortgage as part repayment and part interest only called a part and part. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Remortgage with county court judgements (CCJs)?

If you have a County Court Judgement (CCJ) against you this almost certainly will NOT prevent you from applying for a mortgage and many lenders will not necessarily penalise you for this. However it is important that you do declare this at the outset so that the right mortgage is selected and you get advice from an independent broker who will know where to look for the right mortgage product for you. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Repossession - missed mortgage payments?

If you have missed one or more mortgage payments it is likely that your lender has been in contact with you warning you of the possibility that your property may be repossessed. Do not ignore this, the longer you leave it the worse things will get! This is the first stage of the repossession process at which point a repossession can often be prevented. If you have received a court date or have been to court then this can make it more difficult, but you do need to act fast. There may be other options open to you as well as remortgaging that can help you keep your home. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Self-certified remortgage?

It is estimated that over 3 million people in the UK are self-employed or may be employed on a basis that differs from the norm and makes it difficult to prove or predict income. Even if you are employed you may receive bonuses or tips that make the mortgage you require affordable but you cannot prove this. With a self certified (self cert) mortgage you make a declaration as to what your income is but you do not need to provide proof of this. Many of these products are not available directly to you from the lenders, but are exclusive through authorised regulated brokers. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Standard variable rate remortgage?

Every mortgage lender has a standard variable rate (SVR) of interest which it uses to base all its mortgage deals. The SVR is based on the Bank of England's base lending rate and lenders usually charge about 2% above this (so your mortgage payments will increase or decrease in line with changes in the Bank of England's base rate). To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!

Tracker mortgage?

A tracker (or base-rate tracker) mortgage is one with an interest rate that tracks the Bank of England Base rate either for a fixed period or the lifetime of the mortgage. For instance, the tracker mortgage could be 0.25% above the Bank of England base rate and will go up or down accordingly. Many lenders currently offer 'tracker' mortgages so there are plenty to choose from. To get 'best advice' on these products COMPLETE OUR NO OBLIGATION ENQUIRY FORM  to speak, in confidence, to a specialist FSA (Financial Services Authority) regulated mortgage advisor who will provide a variety of quotes from several different lenders! This service is FREE and without obligation!