What happens with a remortgage, is you’ll be taking out a new mortgage with a new lender, on the same property.
We tend to find, that most homeowners will review their options option a few years to make sure they are on the best deal they can be.
When looking to remortgage, some people take advantage of remortgage to raise capital, perhaps as a means to fund any home improvements for a new kitchen, home extension, loft conversion, or for consolidating debts.
We do strongly advise you speak to a mortgage broker in Brighton before securing any debt against your home or seek specialist mortgage advice in Brighton.
Some buy to let landlords choose to remortgage a buy to let property to raise capital, this can be a great way to fund any potential home improvements, as well as using any equity as a means for a deposit for any future additions to add to their property portfolio.
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It’s always best to give yourself plenty of time to go through your remortgage options and get your new mortgage deal processed. Typically, this is 6 months prior to your fixed-rate ending.
This is why we highly recommend anyone who is looking to remortgage in Brighton sooner rather than later. This is to avoid falling onto your lender’s standard variable rate, which is an interest rate set by your lender, where you may see your mortgage payments increase.
We offer a free remortgage review in Brighton for all new/ existing customers. Our mortgage advisors in Brighton. are available 7 days a week, working around the clock, ensuring that we have availability at a time that suits your busy lifestyle.
We search 1000’s of remortgage products to find you the most suitable remortgage deal for your circumstances. It’s our goal to make sure that this time around, your process is much quicker and smoother than the first time you took out a mortgage.
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As we have touched upon briefly, there are lots of reasons as to why you should look at your remortgage options, from releasing equity in their home as a means of funding home improvements or to remortgaging to consolidate debts. Again, speak to a mortgage advisor in Brighton before proceeding to debt consolidation.
Alternatively, many will choose to remortgage in Brighton to see if they have any access to better interest rates and save money.
We recommend the ‘best’ time to be taking out a remortgage, is around the 3 to 6 months before your deal is coming to its end.
Within this time frame, this should be more than enough time to seek remortgage advice in Brighton and speak to a mortgage advisor in Brighton to get the new mortgage set up and ready to begin just as your last deal comes to its end.
You can, some homeowners may be given the option to remortgage to release equity as a means to pay off any unsecured debt.
If you currently don’t have enough equity in your home, you may be able to remortgage for a better rate, as as a means to save up some additional money each month, allowing you to pay off your debts a little quicker.
As we’ve said through this page, we would always recommend speaking to a specialist mortgage advisor for remortgage advice in Brighton before you secure debts against your home, as although your monthly payments may be lower, you will likely be paying much more on interest overall.
You should think carefully before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.
Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.
Yes, we do get inquiries from buy to let landlords who are looking to remortgage a property from their portfolio. Over the years we’ve helped many landlords with their remortgages.
To learn more about how we can help, head to our buy to let remortgage service page. Alternately, you can speak with one of our mortgage advisors in Brighton and they will be able to help look at your remortgage options.
There are no limits on the number of times you can remortgage your home in Brighton. We tend to find, that many homeowners in England and Wales will see themselves taking out a remortgage in Brighton a couple of times in their life.
However, if you are looking at this option whilst still tied into an existing deal with your current lender then you would have to factor in paying an early repayment charge for settling early, this will be something that’s discussed with you.
As a mortgage broker in Brighton we offer a free Remortgage review to all new/existing customers. If you want to release equity via a Remortgage or find yourself a better deal, one of our dedicated mortgage advisors in Brighton will look at your options to find you the most suitable deal.
We have been providers of expert mortgage advice for well over 20 years and during that time, we can search through 1000’s of Remortgage products to find you the most suitable deal for your circumstances, saving you time and money.
We have mortgage advisors in Brighton who work around the clock, we'll be there when you need us.
No upfront fees payable, we only aks for payment upon mortgage success in Brighton!
Whether it's a mortgage administrator or a mortgage advisor in Brighton, you'll always know who you are dealing with and they'll keep you in the loop during the entire remortgage process.
If you are wanting to know you're an option and choose us as your mortgage broker in Brighton, we'll find you a suitable remortgage and keep you in the loop throughout the entire remortgage process.
We'll recommend appropriate insurance products and make sure you are on the right deal, should you become seriously ill or unable to work then you won't have to worry about your repayments.
As a mortgage broker in Brighton, we can find the most suitable remortgage deal for you, saving you time and money.
There isn't a situation that they haven't come across before, your mortgage advisor in Brighton will fully understand your needs and stand by your side throughout the entire remortgage process.
From your initial contact through to completion well provide nothing but open and honest remortgage advice in Brighton, and if we come across any remortgage hurdles, we'll face them together.
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They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
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The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
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We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
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UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
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We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...
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The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
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Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would happily...
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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