Remortgage – Compare The Best Remortgage Deals & Rates, remortgage.#Remortgage


Remortgage guide

By Mark Hooson on Wednesday 19 April 2017

Remortgage

Looking for a remortgage deal?

Remortgaging to a different deal could potentially save you hundreds or even thousands of pounds a year, so it’s important to review your mortgage regularly to see if better deals are available elsewhere.

Here, we explain exactly how remortgaging works and outline the potential benefits.

What is remortgaging?

Remortgaging happens when you change the mortgage you currently have on your property, either by switching it to a new lender, or by moving to a different deal with your existing lender.

Why remortgage?

The main reasons people remortgage are to save money (by securing a lower rate of interest on the debt), or because they are moving to a different property. Others remortgage to release capital (or ‘equity’) from their property to pay for things such as home improvements, or to pay off other debts.

How you can save

When we first apply for a mortgage, most of us sign up to an introductory rate for a certain period.

For those on a tight budget, this is often a fixed rate deal, which charges a fixed rate of interest for two or more years. Alternatively, there are discounted deals. These offer a discount on the lender’s standard variable rate (SVR), again for a set period. So an SVR of 5% might be discounted down to 3% for two years.

Then there are tracker deals, which track the Bank of England base rate, plus a set percentage on top. The deal might promise to charge base rate plus, say, 2% – so if the base rate were 0.5%, the rate charged to the borrower would be 2.5%.

However, remember that if the base rate rises, your mortgage repayments will go up too. You can work out how your mortgage will be affected by base rate changes by using our handy base rate calculator.

With a capped mortgage deal, the rate will rise and fall in line with market conditions with the guarantee that it won’t exceed a certain level.

When initial deals end

The majority of initial deals such as these only last for a few years. When they expire, homeowners will usually automatically be moved onto the lender’s standard variable rate, which will typically, but not always, be higher than the rate they have previously been on.

You don’t have to settle for the standard variable rate, however, or stick with the same lender for your whole mortgage term. Provided you aren’t locked into a deal which will charge you early repayment penalties if you change, you should be free to switch to another mortgage deal whenever you want.

Doing so could save you thousands of pounds a year.

Who should/ shouldn’t remortgage?

If you are currently paying your lender’s standard variable rate, you could potentially save yourself a fortune by moving to a different deal. However, this won’t be the case for everyone, particularly those with very limited equity in their properties.

This is because the most competitive remortgage deals are usually reserved for those with at least 25% or more equity (meaning their mortgage is for less than 75% of the property’s value; if someone has a £150,000 mortgage on a house worth £300,000, they own 50% of the equity).

If you aren’t on a standard variable rate and want to leave your existing fixed, discounted or capped deal early, make sure you check what penalties are in place. If you are locked in to your current deal, then the fees for switching ahead of time could wipe out any savings you would make by moving to a deal with a lower rate of interest, which means remortgaging wouldn’t make sense.

You should also check whether there are any application fees attached to the new mortgage, and any other associated fees, such as a property valuation or survey. Again, these may obliterate any interest rate savings and eat into equity that is released by the move.

Always speak to an independent mortgage broker before remortgaging as they will be able to help you work out whether you are better off staying with your existing mortgage, or moving elsewhere.

If you are moving home and remortgaging, and you are borrowing more than your existing mortgage, you will need to check that your lender is prepared to grant you the additional amount before proceeding.

Which kind of remortgage deal should I choose?

If you want to know that your monthly mortgage payments won’t change over time, a fixed rate mortgage is likely to be your best option. Most fixed rate mortgage deals run for between two and five years, although occasionally longer term deals are available.

There will usually be repayment penalties to pay if you want to come out of your fixed mortgage deal early.

Fixed rate mortgages provide valuable peace of mind that your repayments will be the same month after month. But in periods when interest rates are falling, there is a risk you might end up locked into a deal with a relatively high rate of interest when much lower rates are available elsewhere.

Capped rate mortgages

If you prefer a variable rate mortgage, but don’t want the rate to exceed a certain limit, you should consider a capped rate mortgage, where the rate cannot go higher than a certain level, or ‘cap’. This kind of deal ensures that you won’t be hit with unaffordable payments during the capped period. But note that capped rates can often be higher than the equivalent fixed rate.

Discounted mortgages, which offer a discount off a certain interest rate – usually the lender’s standard variable rate – are also variable, so your payments could go up or down over time, but there is no limit on the amount they could rise by. They may therefore be cheaper initially than alternative deals, but your repayments could increase significantly during the term of your deal.

Tracker mortgages are another type of variable rate mortgage, and they usually tracks or follow the Bank of England base rate at a set margin above or below it. The amount you need to repay falls when the base rate drops, but when it rises, your repayments will also increase, which can make budgeting difficult.

Another option you might want to consider is an ‘offset’ mortgage. These work by offsetting your savings against what you owe on your mortgage, therefore reducing the overall amount of interest you pay.

So, if you have a £150,000 mortgage and £30,000 in savings, with an offset you’d only pay interest on the £120,000 difference, enabling you to pay down your mortgage more quickly. However, offset rates tend to be higher than those available on ‘standard’ mortgages, so you’ll need to do your sums carefully to ensure this kind of deal is appropriate for your needs.

And you’d obviously need to lodge your savings with the same institution providing your mortgage!

Costs and savings

There are several costs involved in remortgaging that you will need to factor in. Most mortgage deals have arrangement fees, some of which can cost £1,000 plus, so make sure you know exactly how much you’ll have to pay before signing up to a particular deal.

You will also need to pay legal and valuation costs, although some remortgage deals include these for free.

However, in most cases, the savings you will make from remortgaging will far outweigh the costs involved. To give an idea of the sort of savings which might be achievable, someone with a £150,000 mortgage paying an average standard variable rate (SVR) of 4.41% could end up £2,092.50 a year better off if they switched to a two-year fixed rate deal at 1.66%, even factoring in a £975 arrangement fee.

How to remortgage

Your first step should be to check there are no penalties to move from your existing deal. Once you have found the remortgage deal you want to move to, you will need to gather together all the information you needed when you first applied for a mortgage.

This will usually include proof of your current income, three years’ worth of accounts if you are self-employed, as well as bank statements and details of any other credit arrangements you have in place.

Your new lender will also want a valuation of your property before it will grant you a mortgage, which it will arrange, for a cost, on your behalf.

Always compare lots of different remortgage deals before proceeding, and seek independent advice if you are in any doubt as to which kind of mortgage might be right for you.

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Client Testimonials

Ambareen is excellent at her job, friendly and approachable. She did a fantastic job at securing us a mortgage at a good rate. Cannot fault her service. Really pleased I chose her, would definately recommend her service to everyone who wants to apply for any financial needs hassle free.

Thank you once again

We cannot recommend Ambareen highly enough. Ambareen has helped us to arrange our mortgage twice now and each time she has been extremely proactive on our behalf. She always responds to our calls, provides staightforward and clear advice and is very reliable. Ambareen is always honest, friendly and supportive and takes the stress out of the whole process

Ivon Beer Baljit Kandola-beer

We first approached Ambareen in 2011 to help with a buy to let mortgage we were having difficulty with. Ambareen got us a mortgage offer and assisted in the mortgage being completed swiftly.Since then we have continually worked closely with Ambareen for all our mortgage needs

Steven Joyce – Sussex

I cant fault the service received from Ambareen from Mortgage Solutions. Always committed to offering good advice, options and the best product to suit our needs. Ambareen is always helpful and friendly and happy to explain and help with any enquiries.

Thank you for everything K Seward

I would like to thank Mortgage Solutions in handling my mortgage application in a timely manner and professional manner and made me feel that my business was important and worked hard to find me the best mortgage to meet my specific needs. I was very impressed that they were there when i needed advice and their personalised service made the whole mortgage transaction a comfortable experience.I would recommend Mortgage Solutions to anyone who is need of mortgage advice.

For years you have consistently provided very competent and professional mortgage service for myself, family and friends. I am pleased that in you I have found a very able Mortgage Advisor, who gives swift progress updates without having to chase. I have also much appreciated your ad hoc info and sign posting without attempting to lure me into a certain mortgage product.

With Best Wishes Dr Aamir Ehjaz

I have a good experience with Ambareen Mirza from Mortgage Solutions; my mortgages were handled in timely and professional manner. Ambareen communicated and kept me up to date of process and all updates from lenders promptly.The reason I own 2 properties now is thanks to Ambareen, who explained available options to me and helped me understand what was available in the market. I was initially going sell my existing property and buy new house to live in, Ambareen helped me to re-mortgage the existing mortgage and also to find new mortgage for my dream home. This was achieved in an orderly fashion without any hassle

I was impressed with her service as I was able to get hold of her at any time of my convenience. I would gladly recommend her to any of my friends and family. Saying that I was recommended Ambareen by my brother

Ambareen of Mortgage Solutions went above and beyond to secure me a fantastic rate on my current house. She found deals that no bank would offer. This is not the first time I have used Ambareen, previously she helped in a difficult transaction when purchasing my first home.

I highly recommend Ambareeen Qasim Latif

Mortgage News

If you are looking for Large Mortgage Loans to fund a reside. more

Advice On Finding The Best Remortgages In The UK. more

Getting The Best Buy To Let Mortgage In The UK. more

Are Cheapest Fixed Rate Mortgages Worth The Commitment. more

The Benefits Of Equity Release In The UK. more

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.​

1clickremortgage.co.uk is an independent remortgage website owned and operated by Identicom Digital S.L. No advice is provided but we refer you to our trusted partners who search the market to find you the best remortgage quotes. The brokers will search the market on your behalf across hundreds of suppliers and ensure the quote matches your personal circumstances. The independent advisors that we refer you too are regulated by the Financial Conduct Authority. We recommend that you also seek independent advice from your IFA.

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Will you get a mortgage big enough to purchase your dream abode? If you do are you worried about the repayments?

Even if you are a first-time buyer or a more seasoned investor, the MoneySuperMarket Mortgage Calculator can help you find out the figures you’ll need to get there.

It’s so easy to use that within seconds you’ll know how much the repayments will based on how much you’ll need to borrow, the interest rate and the term of the mortgage. The tool, also known as a remortgage calculator or APR calculator, works different types of home loans – from first-time buyer mortgages to buy-to-let mortgages.

Be aware that these results only offer an indication of how much you’ll need, as each lender has a different way of assessing how much you can borrow and the repayments.

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Taking out a mortgage is the easiest way to get on – or move up – the property ladder. However, it is only a good idea if you can keep up with the payments. That’s where our mortgage calculator comes in. It can tell you the following:

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If your ability to afford the mortgage is a concern, and you are taking out a variable-rate deal, it makes a lot of sense to check how much your repayments could be should the interest rate rise by even 1% or 2%.

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At Deal Direct we find the best remortgage deals in the UK and we offer them to you through a free, no-obligation service. We compare mortgage lenders from across the whole of the UK market to find you the very best offers available. Let us know your requirements and we’ll do the rest.

Remortgage rates have never been this low, so now could be the perfect time to let Deal Direct show you the best mortgage rates in the UK. Our amazing mortgage offers could save you thousands in repayments and we will take the hassle out of getting an amazing mortgage deal.

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  • Tuesday, October 24, 2017 Consult with mortgage broker, Deal Direct about rising interest rates.
  • Monday, October 23, 2017 Secure exclusive buy to let mortgages with Deal Direct.
  • Thursday, October 19, 2017 Help to Buy mortgage scheme receives government injection of £10billion
  • Wednesday, October 18, 2017 Dudley BS reduces contractor mortgage rates.
  • Thursday, October 12, 2017 Need shared-ownership advice? Contact mortgage broker, Deal Direct.
  • Tuesday, October 10, 2017 Final buy to let mortgage regulatory standards now in force.
  • Friday, October 6, 2017 Fixed term mortgage rate reduction revealed by Co-op Bank.
  • Thursday, October 5, 2017 How do contractor mortgage rates compare to the record low 2 year fixes?
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  • Wednesday, September 27, 2017 Effortless remortgages with Deal Direct.
  • Friday, September 22, 2017 Consult with mortgage broker, Deal Direct, to discuss SMI.
  • Friday, September 22, 2017 TSB drops its buy to let mortgage rates.
  • Thursday, September 14, 2017 First Direct review their mortgage rates.
  • Wednesday, September 13, 2017 Contractor mortgage advice for new-build properties.
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Remortgage

The UK’s Leading Remortgage Specialist

Compare Leading Mortgage Lenders

Rates from just 0.99% APR*

Remortgage

  • Compare the UK’s leading providers
  • Professional advice from market experts
  • Choose the right deal to suit your needs

We Search Top Trusted Remortgage Companies For You

Remortgage

Your Mortgage Requirement:

Addresses

By clicking Get Your Free Quote you agree to be contacted by telephone or email by an FCA Authorised Advisor and confirm that you have read and agreed to our Terms & Conditions an Privacy Policy.

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Fill in our short form

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We compare providers

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Receive your quote

Why One Click Remortgage?

1Click Remortgage is an independent remortgage comparison website. We pass your details to FCA approved remortgage advisors, who will search the market to provide you with the best quote available.

The process is simple. FREE affordable quotes with no obligation.

We will search the market to fnd the best possible remortgage rate.

We will search the Uk’s top remortgage providers to provide you with the best quote.

Remortgage Comparison experts that specialise in making mortgage payment savings.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.​

1clickremortgage.co.uk is an independent remortgage website owned and operated by Identicom Digital S.L. No advice is provided but we refer you to our trusted partners who search the market to find you the best remortgage quotes. The brokers will search the market on your behalf across hundreds of suppliers and ensure the quote matches your personal circumstances. The independent advisors that we refer you too are regulated by the Financial Conduct Authority. We recommend that you also seek independent advice from your IFA.

Our service is 100% free to use and you are under no obligation to accept any of the quotes you receive.

Registered Address: Calle Viladomat 63. Barcelona. Spain. 08015 | Co.No. ES-B66308883

If you with to unsubscribe from receiving further offers from 1clickremortgage.co.uk please click here to unsubscribe.

If you would like to register your business to receive real-time Remortgage leads, please email us: [email protected]

Privacy Policy

This privacy policy sets out how we use and protect any information that you give us when you use this website. We are committed to ensuring that your privacy is protected. We will only use the information that we collect about you lawfully in accordance with the Data Protection Act 1998. We may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

What We Collect

We will collect the following information:

Your name and date of birth 
Your email address and telephone number 
Your postcode Details of your Remortgage requirement

Information Sharing and Disclosure

If you have completed an application your information will be passed to insurance providers who may be willing provide you with cover. We may use your personal information for the following purposes:

Process the application you have made. 
To write to you in the future with a view to offering you products we feel may be of interest to you. 
To pass to third parties who provide relevant products and services that we think might be of interest to you so that they can also provide you with information about the products and services they provide. 
To permit access to regulatory bodies to ensure that we are processing information correctly and complying with regulatory requirements.

Security

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Mortgage Calculator: Check Affordability, MoneySuperMarket, remortgage.#Remortgage


Mortgage calculator

A mortgage is a massive financial commitment, so you need to know how much it’s going to cost – and we’re here to help. Our mortgage calculator lets you work out what your payments will be, whether you’re a first-time buyer, moving home, re-mortgaging or buying-to-let.

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Please note: these calculations are intended as a guide only.

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Browse the latest mortgage products using our comparison tool to find the best mortgage

Find out more about mortgages

Don’t be left in the dark, read our news articles and tips on mortgages. These include how to maximise your chances of getting a mortgage, how to beat moving stress, how to buy or sell your house faster, and much more.

Mortgage calculator guide

Will you get a mortgage big enough to purchase your dream abode? If you do are you worried about the repayments?

Even if you are a first-time buyer or a more seasoned investor, the MoneySuperMarket Mortgage Calculator can help you find out the figures you’ll need to get there.

It’s so easy to use that within seconds you’ll know how much the repayments will based on how much you’ll need to borrow, the interest rate and the term of the mortgage. The tool, also known as a remortgage calculator or APR calculator, works different types of home loans – from first-time buyer mortgages to buy-to-let mortgages.

Be aware that these results only offer an indication of how much you’ll need, as each lender has a different way of assessing how much you can borrow and the repayments.

Calculating your mortgage repayments

Taking out a mortgage is the easiest way to get on – or move up – the property ladder. However, it is only a good idea if you can keep up with the payments. That’s where our mortgage calculator comes in. It can tell you the following:

  • How much a particular mortgage will cost you in both repayment and interest-only basis – so you can try out different scenarios and compare deals on how much they would cost per month.
  • The loan to value percentage you would need to borrow. For example, if you borrowed 75%, then you might not get as good a deal as if you had borrowed 60% of a property’s value.
  • An indication of stamp duty you can expect to pay on the purchase.

How to use the calculator

To use the mortgage payment calculator:

1. Enter the price of the property you wish to buy

2. The size of the mortgage you’d need to buy it

3. The number of years you want to take the loan out over

4. The interest rate charged by the lender offering the deal

If your ability to afford the mortgage is a concern, and you are taking out a variable-rate deal, it makes a lot of sense to check how much your repayments could be should the interest rate rise by even 1% or 2%.

How much can I borrow?

You’ll need a vague idea of how much you can borrow before thinking about a new home or investment property. Our calculator does not ask about salary, but banks will, so you will need to be able to afford the mortgage.

All you need to enter are the details below – the price paid for the property, the amount of money you need to borrow, the time you want to borrow it over, the interest rate and your income – and we’ll calculate your monthly repayment for you, plus the total you’ll repay (provided the interest rate doesn’t change).


Remortgage – Compare The Best Remortgage Deals & Rates, remortgage.#Remortgage


Remortgage guide

By Mark Hooson on Wednesday 19 April 2017

Remortgage

Looking for a remortgage deal?

Remortgaging to a different deal could potentially save you hundreds or even thousands of pounds a year, so it’s important to review your mortgage regularly to see if better deals are available elsewhere.

Here, we explain exactly how remortgaging works and outline the potential benefits.

What is remortgaging?

Remortgaging happens when you change the mortgage you currently have on your property, either by switching it to a new lender, or by moving to a different deal with your existing lender.

Why remortgage?

The main reasons people remortgage are to save money (by securing a lower rate of interest on the debt), or because they are moving to a different property. Others remortgage to release capital (or ‘equity’) from their property to pay for things such as home improvements, or to pay off other debts.

How you can save

When we first apply for a mortgage, most of us sign up to an introductory rate for a certain period.

For those on a tight budget, this is often a fixed rate deal, which charges a fixed rate of interest for two or more years. Alternatively, there are discounted deals. These offer a discount on the lender’s standard variable rate (SVR), again for a set period. So an SVR of 5% might be discounted down to 3% for two years.

Then there are tracker deals, which track the Bank of England base rate, plus a set percentage on top. The deal might promise to charge base rate plus, say, 2% – so if the base rate were 0.5%, the rate charged to the borrower would be 2.5%.

However, remember that if the base rate rises, your mortgage repayments will go up too. You can work out how your mortgage will be affected by base rate changes by using our handy base rate calculator.

With a capped mortgage deal, the rate will rise and fall in line with market conditions with the guarantee that it won’t exceed a certain level.

When initial deals end

The majority of initial deals such as these only last for a few years. When they expire, homeowners will usually automatically be moved onto the lender’s standard variable rate, which will typically, but not always, be higher than the rate they have previously been on.

You don’t have to settle for the standard variable rate, however, or stick with the same lender for your whole mortgage term. Provided you aren’t locked into a deal which will charge you early repayment penalties if you change, you should be free to switch to another mortgage deal whenever you want.

Doing so could save you thousands of pounds a year.

Who should/ shouldn’t remortgage?

If you are currently paying your lender’s standard variable rate, you could potentially save yourself a fortune by moving to a different deal. However, this won’t be the case for everyone, particularly those with very limited equity in their properties.

This is because the most competitive remortgage deals are usually reserved for those with at least 25% or more equity (meaning their mortgage is for less than 75% of the property’s value; if someone has a £150,000 mortgage on a house worth £300,000, they own 50% of the equity).

If you aren’t on a standard variable rate and want to leave your existing fixed, discounted or capped deal early, make sure you check what penalties are in place. If you are locked in to your current deal, then the fees for switching ahead of time could wipe out any savings you would make by moving to a deal with a lower rate of interest, which means remortgaging wouldn’t make sense.

You should also check whether there are any application fees attached to the new mortgage, and any other associated fees, such as a property valuation or survey. Again, these may obliterate any interest rate savings and eat into equity that is released by the move.

Always speak to an independent mortgage broker before remortgaging as they will be able to help you work out whether you are better off staying with your existing mortgage, or moving elsewhere.

If you are moving home and remortgaging, and you are borrowing more than your existing mortgage, you will need to check that your lender is prepared to grant you the additional amount before proceeding.

Which kind of remortgage deal should I choose?

If you want to know that your monthly mortgage payments won’t change over time, a fixed rate mortgage is likely to be your best option. Most fixed rate mortgage deals run for between two and five years, although occasionally longer term deals are available.

There will usually be repayment penalties to pay if you want to come out of your fixed mortgage deal early.

Fixed rate mortgages provide valuable peace of mind that your repayments will be the same month after month. But in periods when interest rates are falling, there is a risk you might end up locked into a deal with a relatively high rate of interest when much lower rates are available elsewhere.

Capped rate mortgages

If you prefer a variable rate mortgage, but don’t want the rate to exceed a certain limit, you should consider a capped rate mortgage, where the rate cannot go higher than a certain level, or ‘cap’. This kind of deal ensures that you won’t be hit with unaffordable payments during the capped period. But note that capped rates can often be higher than the equivalent fixed rate.

Discounted mortgages, which offer a discount off a certain interest rate – usually the lender’s standard variable rate – are also variable, so your payments could go up or down over time, but there is no limit on the amount they could rise by. They may therefore be cheaper initially than alternative deals, but your repayments could increase significantly during the term of your deal.

Tracker mortgages are another type of variable rate mortgage, and they usually tracks or follow the Bank of England base rate at a set margin above or below it. The amount you need to repay falls when the base rate drops, but when it rises, your repayments will also increase, which can make budgeting difficult.

Another option you might want to consider is an ‘offset’ mortgage. These work by offsetting your savings against what you owe on your mortgage, therefore reducing the overall amount of interest you pay.

So, if you have a £150,000 mortgage and £30,000 in savings, with an offset you’d only pay interest on the £120,000 difference, enabling you to pay down your mortgage more quickly. However, offset rates tend to be higher than those available on ‘standard’ mortgages, so you’ll need to do your sums carefully to ensure this kind of deal is appropriate for your needs.

And you’d obviously need to lodge your savings with the same institution providing your mortgage!

Costs and savings

There are several costs involved in remortgaging that you will need to factor in. Most mortgage deals have arrangement fees, some of which can cost £1,000 plus, so make sure you know exactly how much you’ll have to pay before signing up to a particular deal.

You will also need to pay legal and valuation costs, although some remortgage deals include these for free.

However, in most cases, the savings you will make from remortgaging will far outweigh the costs involved. To give an idea of the sort of savings which might be achievable, someone with a £150,000 mortgage paying an average standard variable rate (SVR) of 4.41% could end up £2,092.50 a year better off if they switched to a two-year fixed rate deal at 1.66%, even factoring in a £975 arrangement fee.

How to remortgage

Your first step should be to check there are no penalties to move from your existing deal. Once you have found the remortgage deal you want to move to, you will need to gather together all the information you needed when you first applied for a mortgage.

This will usually include proof of your current income, three years’ worth of accounts if you are self-employed, as well as bank statements and details of any other credit arrangements you have in place.

Your new lender will also want a valuation of your property before it will grant you a mortgage, which it will arrange, for a cost, on your behalf.

Always compare lots of different remortgage deals before proceeding, and seek independent advice if you are in any doubt as to which kind of mortgage might be right for you.

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The Best Mortgage Rates and Remortgage Deals from Deal Direct, remortgage.#Remortgage


Remortgages

At Deal Direct we find the best remortgage deals in the UK and we offer them to you through a free, no-obligation service. We compare mortgage lenders from across the whole of the UK market to find you the very best offers available. Let us know your requirements and we’ll do the rest.

Remortgage rates have never been this low, so now could be the perfect time to let Deal Direct show you the best mortgage rates in the UK. Our amazing mortgage offers could save you thousands in repayments and we will take the hassle out of getting an amazing mortgage deal.

Our expert remortgage advice will help you get the right product, at the right price and all provided on time. Having your own Deal Direct mortgage adviser will ensure that your needs are handled in a personalised, efficient professional manner. We are here to help you every step of the way.

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Remortgage

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Deal Direct is a trading style of Deal Direct Financial Solutions Ltd which is authorised and regulated by the Financial Conduct Authority for regulated mortgage and non-investment insurance contracts. Our FCA Number is 478726. The overall cost for comparison is estimated to be 4.95% APR. Subject to circumstances, a completion fee may be payable, typically 198 upfront 799 on completion. If your circumstances or history involves any adverse credit, complex situations or a commercial element then this may increase to a maximum of 2594 with a minimum of 99 payable upon application. Your adviser will, in all cases, confirm all costs in writing prior to any application being made.

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When you instruct us to arrange your mortgage our fee is payable upon application, you may* choose to defer payment to completion. If you choose this option we will regard this together when any other funds you have borrowed** from us as a loan agreement & report the conduct of such accounts to credit reference agencies listed here. This process works exactly the same way as a mortgage lender would treat any fee that you may decide to add to your mortgage. The major difference is that we make no interest charges***for offering this service where as a lender would change you interest over the full mortgage term.

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Remortgage

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