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Remortgage Advice in York

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Let us find you the Perfect Remortgage in York!

Towards the end of your mortgage term, it’s recommended that you start looking at a Remortgage. This is where your Mortgage Advisor in York will look at your current deal and looks to help you switch to one with better interest rates.

 

If you’ve spoken to a Mortgage Broker in York like us, you’ll usually be sent a reminder around 6 months before your term is due to finish, in order to get the ball rolling ahead of schedule.

 

Remortgage rates mostly track the base rate of the Bank of England. At the time of writing, interest rates have been at an all-time low since March 2009. Those who are currently on higher rates may be able to transfer to a lower rate, saving them money on their monthly repayments.

 

No matter what type of remortgage advice you need, as a dedicated and committed Mortgage Broker in York, we will do all required to make sure that you end up with the best product available for your situation.

 

Remortgage options in York

Whether you are looking to fix your mortgage interest rate for a new fixed period, needing to remortgage because you are separating/divorcing or just need to raise money by remortgaging, we are here to assist.

 

We will search through thousands of deals in order to find the best remortgage to suit your particular circumstances.

 

We are completely Open & Honest with our Mortgage Advice in York, if we can’t find you a better deal, or if the best solution is to stay with your current lender, then we will be sure to let you know.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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As an experienced Mortgage Broker in York

  • You would like to raise funds for home improvements or to consolidate unsecured lending
  • An improved interest rate would save you money
  • You and your partner or co-owner of the property are splitting up
  • You would like to fix your mortgage.
  • Your bank may have turned away your application for a remortgage purely because your credit file was not good enough or you did not match with their stipulated lending criteria

No matter which of these categories you fall into, we will do all possible to assist.

 

Whatever your Remortgage requirements, our experienced Mortgage Advisors in York will help find you the best solution for your circumstances.

 

Contact us today to book your free remortgage consultation in York & see how we can help you.

Free Remortgage Consultation

 

We offer all our customers a free remortgage consultation. We understand the busy lifestyles of today that is why our free remortgage consultations with your Mortgage Advisor in York are available daytimes, evenings or weekends.

 

Our Mortgage Advisors in York have a wealth of knowledge when it comes to helping customers Remortgage. Whether you are looking to release equity or secure a better rate, we are ready to help you find the perfect Remortgage deal.

 

Always remember that as your Mortgage Broker in York, we are here to help you. Whatever questions you may have with regard to your remortgage, will be answered by our expert team.

 

We want you to feel happy and relaxed throughout the whole process. Check out our reviews to find out what other people have said about our mortgage advice service.

 

As your mortgage advisor in York, we are here to help you. Contact us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

Typically speaking, your initial free remortgage consultation in York will last around 60 minutes. We will then compare a new deal vs your current product and recommend the most appropriate one, which you are not obligated to accept. You can then decide whether you want to proceed with the deal, or step back; it’s completely up to you!

Depending on your credit history and your current financial situation, you may be able to remortgage to consolidate your debts in York. Doing this will increase your mortgage size but will incorporate our debts into your mortgage.

There both ups and downsides to this though, so as a Mortgage Broker in york, we recommend not to rush into it.

When you finish your fixed mortgage term, you will move straight onto your lender’s standard variable rate of interest (SVR). Your lender’s SVR is likely to be of a higher rate of interest than your current mortgage deal, so you will want to Remortgage in York to avoid these extra monthly costs.

The key to remortgaging is to shop around for deals. As a Remortgage Broker in York, we can help you with this and try to find you a perfect deal that is not only more competitive than your last product but is more suited to your personal and financial situation!

As your Mortgage Broker in York, we will start with a Fact Find. During this stage of the process, we will get a better view of your personal and financial situation which will help us when selecting a mortgage deal.

You will then have a credit check performed on you, this step is essential in order to obtain an Agreement in Principle. Once you’ve handed us all of the relevent documentation and a valutation of the property has been completed, a formal mortgage offer can be offered.

When you take out a Remortgage in York, there will be some extra fees that you’ll need to consider. These fees will be similar to the ones you received when you took out your current mortgage. As an open and honest Mortgage Broker in York, we will break down these fees for you so that you know exactly what you’re paying for.

We will also try and save money in areas that you’d think you wouldn’t be able to. We take all fees into consideration and compare the savings of your new deal vs your current one.

Yes, you can obtain a second mortgage in some cases. Whether it’s for home improvements, debt consolidation, for a Buy to Let or a holiday home, you should know that our Mortgage Advisors in York can help you with this.

You may find it slighter harder to get accepted for a mortgage with previous credit problems, however, it’s not impossible! The difference is that you may be asked to put down a higher deposit than usual, perhaps 10-15% of the property purchase price.

Here are all of the documents that you’ll need to support your mortgage application in York

  • Photographic ID (Driving license, Passport, etc.).
  • Proof of Address (Utility bills, tax bills, credit card statements, etc.).
  • Latest 3 months’ payslips & Latest P60 (employed applicants)
  • Latest 2 years’ tax calculations and corresponding overviews (self-employed applicants)
  • 3 months’ bank statement proving the deposit being built-up with an explanation for any large credits.

We make it so easy!
Our 4 step process

Step 1

An initial telephone call where we take some details and look at your Remortgage plan.

Step 2

A discussion about your personal requirements. You already own the property this time around, you can avoid the property chain!

Step 3

We will search and compare 1000s of products to find you the most appropriate deal.

Step 4

Application stage - We'll ensure everything goes smoothly with the lender. You'll have our support from your initial contact right through to when your remortgage process has completed.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
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© 2021 Yorkmoneyman

Yorkmoneyman, York Hub, Popeshead Court Offices, Peter Lane, York, YO1 8SU.

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