Remortgaging Advice

Remortgaging Advice

How do we help our clients?

  • Our initial telephone chat enables a preliminary judgement on how to move forward.
  • An in depth fact finding discussion takes place on the telephone at a mutually convenient time.
  • We check the whole of the market for best options and advise the client which of the options we recommend.
  • We inform the applicant what documents are required to process the application.
  • We liaise with our client’s solicitors, estate agent, and the chosen lender as needed to ensure an effortless completion.
  • No broker fee is charged (we receive a commission from the lenders) and there is no obligation to proceed if the client has a change of heart.
Remortgaging – what’s out there for you?

Many mortgage loans offer specific rates that are only valid for an initial period of time. When the period expires you could be switched to a less competitive alternative product. Unless you take the trouble to have this reviewed you may have to pay much more over the years to reduce your mortgage debt.

Having to remortgage every few years is a complete pain – before you know it, it is time to start again researching and evaluating the different mortgages on offer from all the different lenders.
Our mortgage advisers at Search Mortgage Solutions make it a lot easier for you by sourcing and arranging the most suitable remortgage deal to suit your needs and rechecking them periodically as the years tick by.

It is definitely a wise decision to have your mortgage reviewed by a ‘whole of market’ mortgage broker as the end of your current deal approaches. The other option is to continue with the same lender and risk paying a higher rate than necessary.

Alternatively you may wish to remortgage your property to release equity for home improvements, buying a car, or to help your children to buy their own home. This is absolutely no problem as long as your financial circumstances fit the required criteria of the lenders.

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

The good news

What does it cost you for our services?

You will be pleased to learn that NO BROKER FEE is charged at Search Mortgage Solutions for advice or for carrying out the complete mortgage application. Our fees are paid by commission from the chosen lender.

Once we have set up your new mortgage, we will regularly take a look to ensure that you have the best deal available throughout its full term. There is little point in paying more than you need to.

Remortgaging can be complicated so it is not advisable to do it yourself on the internet. It always pays to use the services of a professional mortgage broker to ensure that you are not paying more than necessary.

We would be delighted to review your current mortgage deal to see if any savings could be made by searching the whole of the market on your behalf. If we cannot improve your current deal, we will arrange to conduct a further review at a mutually agreed time in the future.

Protection insurance is strongly recommended for your peace of mind. Please refer to our separate web page ‘Mortgage Protection Insurance’ which gives details of how we can help with this.

Our coverage areas

From our Manchester head office, we are proud to offer remortgaging advice throughout the whole of the UK, supported by our offices in London, Liverpool, Leeds, Birmingham and Bristol.

We are happy to offer help and advice no matter where you are situated.

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Your home may be repossessed if you do not keep up repayments on your mortgage

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How do you pick a good one? By checking their Testimonials page to see how earlier clients have rated them

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Hi David, Just a short email to once again thank you for all of your time, advice & expertise with arranging my recent mortgage. From our first meeting you came across as a ‘true’ specialist in the financial sector. Your flexibility with regards to our meetings was also much appreciated due to my unsociable working hours. The whole process ran very smoothly, mainly due to the fact that any issu…

Your home may be repossessed if you do not keep up repayments on your mortgage