Remortgage advice


Because of the historically low bank base rate the best remortgage rates are also as low as they have been for a number of years. Now is a great time to secure a product with a very low rate for the immediate to medium term future.


So why Remortgage?

1. Change your rate.

Some mortgage lenders have a high standard variable rate (SVR). If you are not in a tie-in period with your product (i.e. there is no early repayment charge if you wish to redeem the loan) then it could save you money by remortgaging to another lender.

2. Consolidate your debt.

If you have balances on credit cards you might find that you are paying a very high interest rate. It could be beneficial in terms of your outgoings to build this into a remortgage therefore lowering your monthly payments. This could apply to other forms of credit such as personal loans, store cards, car finance etc.

3. Capital raising.

If there is sufficient equity in your property it may be possible to remortgage for a larger amount therefore releasing some of the capital.This raising of funds can be for various reasons - such as home improvements, to pay school fees, to buy a car or to use as a deposit on another property etc.

All the above options will be subject to your personal circumstances and status.



Think carefully before securing other debts against your home.


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