Remortgages

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Step 1 of 3	About your mortgage
Are you looking to: How much would you like to borrow? Buy a property Remortgage a property Buy a property to let     How long do you need the mortgage for? 1 year2 years3 years4 years5 years6 years7 years8 years9 years10 years11 years12 years13 years14 years15 years16 years17 years18 years19 years20 years21 years22 years23 years24 years25 years30 years40 years50 years   Proceed to step 2.

Step 2 of 3	About your mortgage
Estimated property value?   Are you a first-time buyer? YesNo   Do you need to self-certify your income? YesNo   Have you: Had a CCJ or Default registered against you? Missed one or more secured loan or mortgage payments in the last 12 months? Been declared bankrupt or had an IVA? Proceed to step 3.

Step 2 of 3	About your mortgage
Estimated property value?   How much would you like to borrow?       Proceed to step 3.

Step 3 of 3

Your details

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People decide to remortgage for a number of reasons, but most commonly this is to try and get a better deal than their existing mortgage in terms of interest rates and repayments. Remortgages are becoming more and more common now, mainly due to rising interest rates, with many people deciding to remortgage in order to try and fix their rates and avoid the consequences of any further interest rate rises. If you feel that your mortgage is no longer suitable for your needs and circumstances it is well worth looking into a remortgage.

You will find that there are many lenders that offer competitive deals on remortgages, and you will also find a number of lenders that are able to offer bad credit remortgage deals. If you are looking for a bad credit remortgage you will need to be prepared to pay a higher rate of interest than on a standard remortgage, as – like other forms of finance – lenders tend to charge more interest if the borrower has a tarnished credit history or low credit rating.

As with any other type of loan or finance, you will need to compare a range of remortgage deals in order to determine which will best meet your needs and which offers the best value for money. You can compare remortgages quickly and effectively using the Internet, and you can even apply online, which will mean that you save a great deal of time and hassle as well as potentially saving a lot of money over the term of your mortgage.

Opting for a remortgage can save you a lot of money over the term of your loan providing you find the right remortgage for your needs and your circumstances. However, do look out for any penalties that may be applied by your existing mortgage company for switching to another provider, as well as looking out for set up fees that may be charged by the new provider, as you will need to take these into account to determine whether the remortgage is worth your while.