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Remortgages for Homeowners

If your fixed rate is coming to an end, you could end up paying more than you need to

We can compare from a wide range of lenders to ensure you choose the best mortgage for your needs

We'll be with you every step of the way to save you any unnecessary stress & hassle

Diane has supported me with my case and made the impossible possible

 

 

When do I need to remortgage?

 

When your fixed rate term comes to an end, you'll automatically revert to the lender's standard variable rate (SVR), meaning you could be paying much more every month.

We recommend you get in touch with one of our mortgage advisers 5 to 6 months before your fixed rate ends, which will give you plenty of time to complete the remortgage process.

Alternatively, you may want to remortgage your current property to fund home improvements, pay off any debts, to fund a deposit for a buy to let investment property, or even if you need to switch to a lower interest rate. This can be done at any time, however you may be required to pay an early repayment charge.  Our Expert Advisers can assess your individual circumstances and recommend the best cost option for you.

Can I stay with the same lender?

 

Of course, this is known as a 'product transfer'. This is where we can find you a new product with your current provider.  

 

When you remortgage your property, it's a good idea to compare a variety of lenders in order to get the best rate for your budget. At Diane Wright Financial Services, we can access rates from a wide range of lenders including existing providers.

When shouldn't I remortgage?

 

If you have a high early repayment charge, you may end up out of pocket by remortgaging. If you're not sure what your early repayment charge is, or whether now is the right time for you to remortgage your property, just get in touch with one of our expert advisers to discover all of the options available to you.

Can I remortgage if I'm self-employed?

 

Yes, Absolutely! Being self-employed will not stop you from remortgaging, or even from getting a mortgage. You would need to provide evidence of your earnings, with a minimum of one years tax calculations, but the process will remain the same as standard employment.

If your earnings have significantly changed since taking out your existing mortgage then this could affect how much you're able to borrow with different lenders. There are always options available though, just get in touch to discuss the best options for your requirements & budget.

Why do I need a mortgage adviser?

 

With so many different types of mortgages available, applying for one can be a confusing & stressful process. We are here to not only guide you through the entire process, but to ensure that you are taking out the most suitable mortgage for your requirements. We'll even recommend & instruct a solicitor for you, which could save you money and unnecessary hassle.

Book a free, initial appointment today to discuss your situation, your plans & to get the process started.

Your property may be repossessed if you do not keep up repayments on your mortgage. Diane Wright Financial Services charge a non-refundable mortgage arrangement fee of between £99 and £399 when an application is submitted to a mortgage lender for you. Your adviser will agree the arrangement fee with you before commencing any chargeable work. The actual amount payable will take account of your financial circumstances, the complexity of borrowing requirements and the amount of work required to fulfil your needs.
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