You should start looking for your next mortgage 6 months before the end of your current rate.
We can compare your current lenders product transfer against the rest of our panel of lenders, ensuring you get the best deal and avoid the lenders much higher standard variable rate.
We stay with you all the way to completion, constantly reviewing the market and switching you onto a better option if one becomes available, anytime before you complete.
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We can switch you onto a better option. Avoid the lenders standard variable rate by locking in a new lower fixed rate.
Release some of the equity in your property to pay for things like weddings, a new car or a well deserved holiday.
A remortgage of your current mortgage is a great oppourtunity to consolidate other debt under a lower interest rate and lower your monthly outgoings.
It's important to review your mortgage before your current fixed rate or mortgage product is due to end. About 6 months before, is usually the best time. We will compare what your current lender can offer you versus the rest of the market, and then lock in the best option for you. This is a free service we offer at Easy Mortgages.
This is also a great time, if you are looking for any further borrowing, debt consolidation or to reduce the loan, to do this at this point.
We arrange the product transfer or remortgage application for you and stay with you all the way through to completion. Any additional funds would be transferred to you on completion.
We will conduct a free mortgage review of your current deal and advise you whether we believe we can find you a better deal, assist you with an equity release and more - no obligation.
Broker Consultation
We will go through your requirements and find the right remortgage for you. A European Standardised Information Sheet or Key Facts Illustration will be provided.
Legal Work
Either your lender will instruct a solicitor to act for you or you may use your own. Paid for by the new lender. The solicitor will have the full details of the property and the new loan required.
Searches / Questionnaire
The solicitor will carry out searches and issue a questionnaire. On completion and return of the questionnaire you should provide details of your buildings and content policy.
Decision in Principle
Your chosen lender will make a preliminary decision based on your basic personal details. At that point, a full application will then be submitted to the lender.
Valuation
Your home will be re-valued by an experienced surveyor and the report submitted to the lender. This valuation is used to consider any equity release also and is paid for by the new lender.
Request of Statement
A redemption statement is requested by the solicitor from your current lender to show the outstanding mortgage balance payable.
Protection
Protecting your home, loan and family is an essential not an extra. Your cover will ensure you are covered in the event of death, critical illness, or loss of income.
Formal Offer
Once the checks have been completed, a formal offer letter of remortgage will be issued. The will contain details of your new rate, additional funds to be paid out etc.
Payout
Additional payments will be paid to you via the requested method of payment if an equity release is also part of your remortgage strategy.
Broker Consultation
We will go through your requirements and find the right remortgage for you. A European Standardised Information Sheet or Key Facts Illustration will be provided.
Decision in Principle
Your chosen lender will make a preliminary decision based on your basic personal details. At that point, a full application will then be submitted to the lender.
Protection
Protecting your home, loan and family is an essential not an extra. Your cover will ensure you are covered in the event of death, critical illness, or loss of income.
Legal Work
Either your lender will instruct a solicitor to act for you or you may use your own. Paid for by the new lender. The solicitor will have the full details of the property and the new loan required.
Valuation
Your home will be re-valued by an experienced surveyor and the report submitted to the lender. This valuation is used to consider any equity release also and is paid for by the new lender.
Formal Offer
Once the checks have been completed, a formal offer letter of remortgage will be issued. The will contain details of your new rate, additional funds to be paid out etc.
Searches / Questionnaire
The solicitor will carry out searches and issue a questionnaire. On completion and return of the questionnaire you should provide details of your buildings and content policy.
Request of Statement
A redemption statement is requested by the solicitor from your current lender to show the outstanding mortgage balance payable.
Payout
Additional payments will be paid to you via the requested method of payment if an equity release is also part of your remortgage strategy.
Any type of mortgage application can be stressful and confusing, which is why we have made this step-by-step guide to support and inform you throughout the remortgage process, any fees to expect and more.
Easy Mortgages has one of the largest lending panels in the UK. We are part of the award winning Mortgage Intelligence Network.
With over 15 years experience, we find the most suitable and cheapest mortgage for you, based on your personal circumstances. And, we make sure every step of the journey is as straightforward as possible.
We’ve be navigating this industry for over 15 years. Let us do the heavy lifting for you!
We will have you enjoying your new home, equity release or refinance sooner than you can imagine.
With our extensive lending panel, finding the best deal for your circumstances is easy. As a reputable mortgage broker, we have the power to negotiate on your behalf and advocate for the best possible deal for you.
As our client, your satisfaction is our number 1 priority. Our mission is to ensure that all of our clients have the best deal and noone is every paying more than they should for their mortgage.
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In a 100% obligation free consultation, we conduct a review of your current mortgage deal and map out the best way forward for you in your property journey.
Contact us anytime.
Easy Mortgages Limited is an appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.
Registered address; 41 Agincourt Avenue, Gosport, Hampshire, PO13 8NU. Registered in England & Wales under number 13862954
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.
