Remortgage Advice
Open from 8am to 10pm
Our journey starts here
Why pay more than you have to on your mortgage? We'll make your remortgage process as simple as possible while comparing 1000's of deals to recommend the best one for you. Remortgage with UK Moneyman for a better interest rate, to change your mortgage term and/or look at capital raising options. We're able to provide remortgage advice to help you raise money for home improvements such as an extension/kitchen etc, to fund a further property purchase, and for debt consolidation purposes.
Meet Kayleigh, one of my remortgage advice experts
"My role within UK Moneyman is not just about finding your initial mortgage deal, it's about making sure none of our customers are ever paying more interest than they have to.
It's amazing how much money you can save by shopping around, I regularly save customers money on their monthly mortgage payment and/or reduce their overall term to save interest.
I'm also able to look at debt consolidation remortgage advice for personal loans and credit cards, often improving our customers lifestyle by saving £100's per month.
My colleagues and I are available for remortgage advice 7 days a week, until 10pm to answer all of your questions by phone or email, no matter how small.
I worked in 2 High Street banks before working at UK Moneyman. It's great to be able to use my experience and knowledge in order to find the right lender for each customer, beat's turning long standing customers away because 'computer says no'.
Our customers lives are more complex now and time is very precious to them, it's rewarding to be able to actually help and to make the remortgage process as smooth as possible. "
Work patterns are becoming more complex, and unlike most high street banks, here at UK Moneyman we are able to adapt. As long as you are able to prove your income in the form of tax calculations (SA302s) and tax overviews, you'll be in a great position for a remortgage with UK Moneyman.
Sole trader/partnership
Usually with a minimum trading of 1 year we are able to help. Most lenders calculate sole trader income based on an average of the last 3 years, some are happy with the last 2, and others are happy with the latest tax return.
Limited company owner
Whether you are receiving income in the form of dividends, salary, a mixture, retaining your profit in your business and/or pension contributions, your UK Moneyman advisor will prove invaluable. With our experience and knowledge, you'll be in safe hands with us.
Freelancers
Weekly rate multiplied by 48 weeks is the usually maximum income we can work from to calculate your maximum borrowing. Lender criteria varies significantly here and it's our job to recommend the best remortgage deal for you.
Contractor
The great thing here is you could be treated as both self-employed or employed depending on lenders policy, it's our job to know our lending criteria here. Even if it's your first year, it may be possible to help depending on how many months you have left on your contract.
-
Sole trader/partnership
Usually with a minimum trading of 1 year we are able to help. Most lenders calculate sole trader income based on an average of the last 3 years, some are happy with the last 2, and others are happy with the latest tax return.
-
Limited company owner
Whether you are receiving income in the form of dividends, salary, a mixture, retaining your profit in your business and/or pension contributions, your UK Moneyman advisor will prove invaluable. With our experience and knowledge, you'll be in safe hands with us.
-
Freelancers
Weekly rate multiplied by 48 weeks is the usually maximum income we can work from to calculate your maximum borrowing. Lender criteria varies significantly here and it's our job to recommend the best remortgage deal for you.
-
Contractor
The great thing here is you could be treated as both self-employed or employed depending on lenders policy, it's our job to know our lending criteria here. Even if it's your first year, it may be possible to help depending on how many months you have left on your contract.
Your mortgage is usually the biggest financial commitment of your life, therefore it stands to reason to review it on a regular basis.
Time
It always takes longer than you think! Please don't leave it until the last minute. It's best to contact us 4-6 months before your mortgage deals ends.
Estimates for home improvements
If you are capital raising for home improvements, it’s best to get some quotations for the work ahead of remortgaging so we can work with accurate figures. Also, some mortgage lenders may want to see these.
Unsecured debts
If you doing a debt consolidation remortgage, it's our job to help you understand that you may be saving money over the short term. However, long term, you may be paying more in interest.
Realistic valuation
When remortgaging it's important that you have a realistic idea of what your home is worth. Property websites such as Zoopla, allow you to see the actual 'sold' prices for the different property types with your post code.
-
Time
It always takes longer than you think! Please don't leave it until the last minute. It's best to contact us 4-6 months before your mortgage deals ends.
-
Estimates for home improvements
If you are capital raising for home improvements, it’s best to get some quotations for the work ahead of remortgaging so we can work with accurate figures. Also, some mortgage lenders may want to see these.
-
Unsecured debts
If you doing a debt consolidation remortgage, it's our job to help you understand that you may be saving money over the short term. However, long term, you may be paying more in interest.
-
Realistic valuation
When remortgaging it's important that you have a realistic idea of what your home is worth. Property websites such as Zoopla, allow you to see the actual 'sold' prices for the different property types with your post code.
Most often, the answer is yes. We're able to utilise our knowledge and experience to recommend the most suitable lender for you.
Specialist lenders
Just because you have been turned down by your high street bank doesn’t necessarily mean the end of the road. We work with some specialist mortgage providers who all have different lending criteria.
Your credit report
If you are aware that you have had some problems in the past then obtaining an up to date copy of your credit report will prove invaluable for your UK Moneyman remortgage advisor.
Our knowledge
Armed with your up to date credit report and our vast knowledge of lending criteria, we will be able to advise you on the best possible remortgage for your individual circumstances.
Bad credit types
We have experience helping customers with CCJ's, missed payments, defaults, arrears, debt management plans, and ex bankrupts.
-
Specialist lenders
Just because you have been turned down by your high street bank doesn’t necessarily mean the end of the road. We work with some specialist mortgage providers who all have different lending criteria.
-
Your credit report
If you are aware that you have had some problems in the past then obtaining an up to date copy of your credit report will prove invaluable for your UK Moneyman remortgage advisor.
-
Our knowledge
Armed with your up to date credit report and our vast knowledge of lending criteria, we will be able to advise you on the best possible remortgage for your individual circumstances.
-
Bad credit types
We have experience helping customers with CCJ's, missed payments, defaults, arrears, debt management plans, and ex bankrupts.
Why use UK Moneyman?
Why use UK Moneyman?
Clear & Simple Remortgage Advice
We are Open & honest, we will compare what your current lender is offering you to what deals we have access to. Our mortgage advisers are available 7 days a week 8am – 10pm to help and guide you throughout the whole process.
We search 1000's of Remortgage deals
Your UK Moneyman dedicated Remortgage advisor will search and compare 1000's of deals to find you the best mortgage tailor made to your individual circumstances.
Five star service
We pride ourselves on the level of service we offer to our customers. Don’t take our word for it though, read our genuine customer reviews.
Free Remortgage consultations
We offer all of our customers a free no-obligation Remortgage consultation. Out of hours mortgage advice isn't a problem. We appreciate the busy schedules of day to day life, this is why UK Moneyman mortgage advice is available 7 days a week 8am – 10pm.
Don't take our word for it
Here's what our customers have to say
Malcolm's Remortgaging Guides
Let’s get mortgaging!
Call free 8am to 10pm