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The following article was published in our article directory on December 19, 2020.
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Should I Remortgage?

Article Category: Real Estate

Author Name: David Farrell

If you think that your current mortgage no longer works for you, you might consider remortgaging. But you should seek mortgage advice as part of your research , to ensure that you are making the right decision.

What is Remortgaging?

When you remortgage, you pay off your current mortgage with a new one. The new mortgage can be from your present lender or another one.

Here are some of the reasons why you might want to remortgage:

You want lower interest rates. If the value of your property has gone up since you got your original mortgage, you might be seeking a new deal that will give you more beneficial interest rates.
You want more flexible terms. You might want to be able to make additional repayments on your mortgage so you can pay it off faster. Or, you might want to pause your payments temporarily since you are waiting to start a new job. A new lender might provide you with the flexibility you want.
You want to consolidate debt. A new lender might allow you to add other debts, such as for home refurbishing, to the mortgage.
Your current mortgage is expiring . Rather than renewing it, you might want to consider other options.

If you are considering remortgaging, here are some things you should think about:

Is your credit score in good shape?

If you have less-than-perfect score, you might not be able to get the mortgage that you want. So make sure to check your credit score.

In addition, you should make sure that all the data in your credit report is correct. If there are any mistakes, even minor ones, report them at once so they can be corrected before you apply.

What will it cost to leave your present mortgage?

If your mortgage has not expired yet but you are planning to remortgage , check with your current lender as to what fees you may have to pay. For instance, they may charge an early repayment fee or exit fee if you are planning to leave before the mortgage has expired.

These fees may add up to as much as thousands of pounds. So you should consider if the cost is worth it compared to whatever savings you�ll get from a new mortgage.

What terms do you need?

Make a list of the provisions that you need from a new mortgage. Also consider what terms you might need later on.

You can use this list to find a new mortgage when you are assessing deals.

If you think remortgaging is the right choice for you, you should seek the help of a professional financial adviser. He will tell you if you should remortgage based on your particular financial circumstances.

If you decide to remortgage, your adviser will help you find the best deal. They will also help you navigate through the process, to avoid mistakes and make it more likely you will be approved.

Before you make any decisions, seek mortgage advice. It may save you from making a costly error that you will regret later.

Keywords: Income Protection, Mortgage advice

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