Easyswitch Mortgages - 08456 800898
Remortgaging
If you have a mortgage you may be paying more than you need to, and so a regular review of how your mortgage compares may result in significant savings by remortgaging to a different lender.
There are a number of reasons for remortgaging, which include:
Reducing your monthly mortgage payments
Most of our customers consider changing their lender at the end of the fixed/discounted term to take advantage of a better mortgage deal. Some lenders even offer to contribute to the costs and you may save more over time with a lower interest rate. It's important to check what early repayment charges your
current lender may make before moving your mortgage. When you take out a mortgage with us, we will be in touch 3-4 months before your current mortgage expires to arrange a review to advise you on your mortgage options.
Home improvements
Extending or improving your home can be a very cost effective option instead of moving home, with all the expense and upheaval that it can create. If you need to raise funds for an extension or other project, we can advise you on the best
possible solution from either a secured loan, remortgage or further advance from your existing lender. We'll also advise you on the costs involved in doing this and how we can save you money.
Consolidating debts
You may want to reduce your monthly outgoings by consolidating your debts into a single affordable monthly payment. If so, we can review your finances and make suitable recommendations in the form of a secured loan or further advance on your existing mortgage. When consolidating debt, a reduction in monthly payments is likely to mean an increase in the debt and overall term.
With Easyswitch Mortgages, remortgaging can be very quick and simple to arrange. One of our expert mortgage advisers will help you through the process step-by-step, working out how much you can borrow, how much it will cost, and what type of mortgage may be most suitable for you. They will even take care of all the paperwork for you, so you don't need to worry about a thing.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
If you are considering any debt consolidation - Think carefully before securing other debts against your home.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
We normally do not charge any fees for our mortgage advice as the majority of mortgage lenders will pay us a procuration fee for our work. We do offer a fee-based service should you prefer, which will cost no more than 0.35% of the mortgage advance. Any mortgage procuration fee would then be rebated to you on completion. Some lenders do not pay a procuration fee, so we will need to charge you a flat fee for our advice and administration, typically £499. We also reserve the right to charge an administration fee for mortgage applications below £100,000, to ensure that we can earn a minimum of £500 from a combination of commission, fees and other income from a mortgage application. Please ask us for more details.
We can deal with our clients using our Online Mortgage Service, by telephone or face to face. By using our Online Mortgage Service you accept that our Independent Mortgage Advice is based upon the information you have provided us.
Easyswitch Mortgages and Easyswitch Insurance are trading names of Essex Mortgage Centre Limited. Essex Mortgage Centre Limited. Registered office : 3 Warners Mill, Silks Way, Braintree, Essex, CM7 3GB. Company Registration Number 6009105, registered in England and Wales.
Essex Mortgage Centre Limited is an appointed representative of Mortgage Next Network Limited, which is authorised and regulated by the Financial Services Authority in respect of mortgage and insurance mediation activities only. Mortgage Next Network Limited is entered on the FSA register ( 300866)
Easyswitch Mortgages - 08456 800898
