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07306 427832

FEE FREE MORTGAGE ADVICE

REMORTGAGE

PROVIDING A STRESS FREE SOLUTION TO FINDING THE RIGHT MORTGAGE DEAL
Utrecht

Call us for our best Remortgage deals

Maybe you're thinking it's time to swap out your old expensive mortgage for a shiny new one but you don't know where you stand.

 

Its our job to keep on top of the market at all times, so there is no one better placed than us to assure you're on the best deal and never overpaying on your mortgage.

You could also borrow further funds, should you need them, at the same time. Debt consolidation, home improvements, starting a business, a holiday home, your wedding! We can source you a mortgage for any of these purposes and the list goes on…

 

Let us do all the hard work to ensure we find the most fitting deal for you!

You may have to pay an early repayment charge to your existing lender if you remortgage

Remortgage Steps

1

Make Contact

To get your best quote and start the process call us on 07306 427832 or email us to arrange a call back info@managingmortgages.co.uk

2

Prepare your documents

Your documents are important and this will ensure your application process is seamless, its always a great idea to get your documents ready from the outset. 

When making a decision our lenders normally ask for 3 months payslips and last 3 months bank statements. Our advice would be to make sure your address is upto date on all your documents as well. 

3

Getting the right deal

Choosing the right deal is important for you and your family, with Managing Mortgages we like to understand you, your circumstances, and also your lifestyle so that we can make the best recommendations that suit you and let you carry on doing things you love the best. 

Your bank will only offer a limited number of their in-store mortgage deals. Managing Mortgages will scan the entire market to discover the perfect deal for you.

4

Cost involved

Make sure you consider all the costs of remortgaging, rather than going straight for the deal with the lowest interest rate. These may include booking fees, completion fees and legal fees. Your current lender may charge you an exit fee and, if you're breaking the terms of your current mortgage – for instance, leaving before a fixed rate period is up – you may have to pay an early repayment charge.

Part of our service will be to ensure the costs involved with the remortgage are highlighted to you and will give recommendations based on them. Certain fees can be added to your mortgage balance, but remember that you’ll be paying interest on them if you do. If paying them up front, make sure you have budgeted for them.

5

Choosing the best deal

Once we understand your circumstance, we will then share the right mortgage recommendation for you and your family based on the information we have gathered from you and outline what your monthly payments will be and the costs involved with the mortgage. 

6

Agreement in principle

At this stage we make a formal application, once we have agreed on the mortgage type. The application is made to the lender and a formal credit search completed.

 

We will obtain an agreement in principle from the lender.

7

Submit Application

We will then submit the application to the lender on your behalf, any additional information we need can be taken over the phone, avoiding you completing any lengthy forms at home and we will arrange all the necessary documents to be sent to your home.

We will send across all the supporting documents to the lenders so that they can make the best informed decision.

Throughout this process, we will keep you informed of the progress and the outcome, for your peace of mind.

8

Mortgage Offer

Once the lender has made a decision, they will send you the mortgage offer, here you need to go through the paperwork and ensure the mortgage package is as expected. If you are unsure of any part of the offer, just contact us and we will be able to clarify any issues. 

Even though you're not buying a new property, moving your mortgage does involve some legal work. 

The lender will appoint a solicitor, this is to complete all the legal formalities, if you do require a solicitor, we would be happy to recommend one. 

The solicitor will be in charge of completing the mortgage and this normally happens when your early repayment charge ends. 

You may have to pay an early repayment charge to your existing lender if you remortgage
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Lets get your remortgage journey started

07306 427832

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