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New Homes Hotline – 01908 870017
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    • Remortgaging
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    • Help to Buy Mortgages
    • Shared Ownership Mortgages
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  • Protection
    • Home Insurance
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    • Critical Illness Protection
    • Income Protection
    • Business Protection
    • PMI (Private Medical Insurance)
  • Existing Customers
  • Blog
  • Contact Us
  • Partnerships

Remortgage: How Does it Work?

August 13, 2020 By Mortgage Light Leave a Comment

Remortgaging is the process of taking out a new mortgage to replace your current one on a property that already belongs to you. When you buy your mortgage, you don’t have to think of it as something that you’ll be held to for the rest of your life. Instead, think of it as something to re-evaluate periodically to make sure you’ve got the best deal for your situation. [Read more…]

Filed Under: Remortgaging, Uncategorized

How to Remortgage Your Home

August 4, 2020 By Mortgage Light Leave a Comment

Remortgaging your home can sound like a complicated process, but it doesn’t have to be. A mortgage shouldn’t be a one-and-done; it should instead be something that you re-evaluate at the end of a fixed or tracker term. In the same way as you’d review your car insurance each year when your policy ends, you should take a look at your mortgage when the term ends to make sure you’re getting the best deal for your situation. [Read more…]

Filed Under: Remortgaging, Uncategorized

Remortgaging on Maternity Leave

June 27, 2020 By Mortgage Light Leave a Comment

With thousands and thousands of babies born each year in the UK, remortgaging whilst on maternity leave is a common concern. Remortgaging during this period can sometimes cause confusion and worry. If you’re having a baby, your life and your financial situation is likely to have changed a lot since your last application. [Read more…]

Filed Under: Remortgaging

Can You Remortgage With The Same Lender?

June 23, 2020 By Mortgage Light Leave a Comment

Remortgaging allows you to make sure you always have the best mortgage product available for your current personal circumstances. Although you don’t have to remortgage, it’s always worth exploring your options when the opportunity arises to see what deals are out there. You might find a more suitable mortgage product with an alternative lender, or you may be able to simply switch to a better deal with your current lender. [Read more…]

Filed Under: Remortgaging

Can You Remortgage With Help to Buy?

June 18, 2020 By Mortgage Light Leave a Comment

A mortgage should be seen as something that you review on a regular basis, particularly at the end of any fixed or tracker term, to make sure you are getting the best deal for your circumstances – just like you would with your car insurance. This remains the same for those who have used the government Help to Buy equity loan scheme to purchase their home. [Read more…]

Filed Under: Remortgaging

Can I Remortgage Early?

May 26, 2020 By Mortgage Light Leave a Comment

You might assume that you can’t remortgage until your current mortgage term is complete, but that isn’t actually true. It is possible to remortgage early, but it’s important to decide whether this is the right move for you financially. [Read more…]

Filed Under: Remortgaging

How Long Does it Take to Remortgage?

May 22, 2020 By Mortgage Light Leave a Comment

When it comes to mortgages, some people want to pay it off slow and steady over a long period of time, and some people want to get it all paid up as soon as possible. The one thing everyone has in common is wanting the best deal they can.
[Read more…]

Filed Under: Remortgaging

Can You Remortgage to Pay Off Debt?

May 20, 2020 By Mortgage Light Leave a Comment

People remortgage for many different reasons. It could be to secure a better interest rate, to shorten or lengthen your mortgage term, to move onto a fixed rate mortgage or to pay off a lump sum of your mortgage. You might also choose to remortgage to pay off debt. [Read more…]

Filed Under: Remortgaging

How Remortgaging Works

May 7, 2020 By Mortgage Light Leave a Comment

Mortgages aren’t as complicated as they seem – and the same can be said for remortgaging. It can feel like something you’re locked into for life, but this isn’t always the case. A mortgage isn’t a one-time purchase and should instead be considered as something you can review every few years, or when circumstances change, in order to help your mortgage work for you.

[Read more…]

Filed Under: Remortgaging

Can I Remortgage With Bad Credit?

May 7, 2020 By Mortgage Light Leave a Comment

There are a few different reasons why you might decide to remortgage. It’s a great way to release some capital from your home and put some cash towards let’s say a new car, a wedding, a holiday or perhaps even to consolidate your debts. You can often also find yourself a better mortgage deal at the same time, so it’s a win-win.

[Read more…]

Filed Under: Remortgaging

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Free Initial Consultation

All of our brokers deal with the whole of the mortgage market. It doesn’t matter what the question or when you want to speak to us, we have brokers available on the phone or face to face seven days a week. Whether you are just thinking of buying a home and have no idea where to start, a seasoned investor or someone looking to better your current mortgage product, we are happy to help andchat over ideas free of charge.

So we can give you plain and simple advice we will run through some basic questions to help us tailor products to suit your needs. Upon us taking your application forward we will write to inform you that we have given you advice and give you a Key Facts Illustration breaking down the important elements of the product and the fees involved.

For us to take your application forward to a lender we charge an upfront administration fee of £349. For our returning customers looking to renew their mortgage product this fee reduces to £199. We also receive commission from the lender.

A fee of £349 is payable on application of the mortgage. We will receive commission from the lender in addition to the fees you pay. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply.
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