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Remortgage Advice in Liverpool

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Remortgage Advice in Liverpool

Looking to remortgage in Liverpool? If you are looking to release equity or compare like for like products, book a free remortgage review today and secure your financial future.

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Let us Compare Remortgage Rates and Deals in Liverpool

When you’re reaching the end of your mortgage term, you’ll need to start looking at a Remortgaging. A Remortgage is where your mortgage advisors in Liverpool looks at your current deal and helps you switch to one with more favourable interest rates.

If you’ve spoken to a Mortgage Broker in Liverpool like us, generally speaking, you’ll be sent a reminder around 6 months before your term is due to finish, in order to get the ball rolling ahead of schedule.

Remortgage rates usually track the base rate of the Bank of England. At the time of writing, interest rates have been at a record low since March 2009. This means that those currently on higher rates, may be able to switch to a significantly lower rate, saving them money on monthly repayments.

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Remortgage Advice in Liverpool

Helping You to Remortgage in Liverpool

No matter what type of remortgage advice you need, as a dedicated and committed Mortgage Broker in Liverpool, we will do all required to make sure that you end up with the most suitable product available for your situation.

As a open and honest mortgage broker in Liverpool, we are here to support you through the whole Remortgage process & talk you through each step. We will always be at the other end of the phone when you need us.

Things don’t always go to plan when Remortgaging a home, that’s why it will be incredibly beneficial for you to get in touch with an experienced mortgage broker in Liverpool.

What is a remortgage in Liverpool?

Remortgaging involves transferring your mortgage to a new lender, often pursued to secure a better deal or release equity from your property. Many homeowners opt for remortgaging when their initial fixed term ends, as this is when mortgage payments tend to rise.

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Remortgaging FAQs in Liverpool

What are the benefits to a remortgage in Liverpool?

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Remortgaging is a popular choice among homeowners seeking favorable interest rates, given the significant financial commitment mortgages entail. It’s a way to unlock equity for home improvements or consolidate unsecured debts. Ignoring the option to remortgage in Liverpool may result in being switched to the standard variable interest rate, which is typically more expensive.

Can I consolidate my debts into my mortgage in Liverpool?

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While remortgaging in Liverpool can offer the possibility of consolidating unsecured debts into your mortgage, it’s essential to weigh the potential consequences. This approach could lead to extended mortgage terms and higher monthly payments, potentially putting your home at risk.

You should think carefully before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.

Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.

How does my free remortgage review work in Liverpool?

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We provide the opportunity for a complimentary remortgage review, expertly conducted by our dedicated remortgage advisor based in Liverpool. They will assess your current mortgage arrangement and explore alternative remortgage options available in Liverpool.

Ontop of providong expert mortgage advice in Liverpool, our team will meticulously search through a wide range of remortgage deals, aiming to find the ideal one that suits your needs. Throughout the process, we maintain complete transparency to ensure you make well-informed decisions.

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Our Simple Remortgage Process

Free 30-Minute Remortgage Review

Step 1

Upon reaching out to us, our mortgage advisors in Liverpool will thoroughly evaluate your affordability, requesting crucial details about your income and expenses.

We Can Search 1000s of Remortgage Deals

Step 2

Subsequently, our diligent team will sift through a vast array of remortgage products, aiming to identify the most fitting deal tailored to your needs.

Submit Your Remortgage Application

Step 3

Upon accepting the offer, you can count on our dedicated professionals to handle the submission of your complete mortgage application and all essential supporting documents to the lender.

Protecting You and Your Mortgage

Step 4

Furthermore, when the time comes for your next remortgage in Liverpool to be renewed, we will proactively reach out to ensure you are always on the most suitable deal available.

Reasons to Choose us

Free Remortgage Review

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Our amazing team of fast & friendly mortgage advisors in Liverpool will offer all customers a free Remortgage review in Liverpool.

If you require remortgage advice in Liverpool, book yourself in for a free remortgage review today with one of our trusted Mortgage Advisors in Liverpool. We’ll be on hand, ready to go with your remortgage journey. No matter your circumstance, we’ll do our best to find you the best deal available.

1000s of Remortgatge Deals

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If you are in the market to release equity from your home using a remortgage, searching for a better deal, or perhaps something else entirely, our experienced and affable team are here to get started on your remortgage process. We aim to get you through this one quicker and less stressful than the first time around.

Thanks to our vast panel of mortgage lenders, we have the ability to search through thousands of amazing remortgage deals on your behalf. We’re experienced with criteria, so will be able to match you up with the best deal for what you’re looking to achieve.

Our Service

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Here at Liverpoolmoneyman, we make sure all of our customers receive open and honest Mortgage Advice in Liverpool. You’ll be kept informed all throughout the process, with a fully transparent service. If one of our remortgage advisors in Liverpool believes you’re better off doing a product transfer, they will let you know. You are our top priority, and always come first.

To learn more about the levels of service we provide to all our customers, feel free to take a look at our amazing and genuine customer reviews. They warm our heart to see whenever they come in, and are a true representation of how hard we work for home buyers and homeowners alike.

7 Days a Week

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We work 7 days a week, from early until late, offering a chance to speak with a dedicated remortgage advisor at a time that is convenient to you, appointments subject to availability. This means you’ll even see us working on weekends and in some cases, on bank holidays too!

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We Search 1000s of Remortgage Deals in Liverpool

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Paragon Mortgages
TSB Mortgages
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BM Solutions Mortgages
Chorley Building Society
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Pepper Money
Mortgage Works
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Natwest Mortgage Advice
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Common Remortgage Scenarios

Remortgage to Find a Better Deal

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As you head towards the conclusion of your initial fixed mortgage period in Liverpool, you’ll need to take a look at the options that are available to you.

Generally speaking, people will research their options for a Remortgage, as at this point, you will be switched automatically onto your lenders Standard Variable Rate.

The interest rates involved with an SVR will almost certainly be higher than your initial fixed mortgage period, which means your mortgage payments will go up.

Because of this, lots of customers look to get Remortgage Advice in Liverpool ahead of time.

Remortgage to Fund Home Improvements

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Over the years we have helped many customers to release equity from their homes as a means of them being able to fund any home improvements.

By “home improvements” we mean large scale renovations, such as a home extension, a newly remodelled kitchen, or a loft conversion.

If you are wondering what your options are for releasing a vast amount of equity to help fund any new home developments, there are plenty of mortgage lenders who may be willing to help. It’s worth remembering though that there are some who will want to see quotations for the work you’re going to be undertaking.

Remortgage to Consolidate Debts

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Consolidating any of your unsecured debts into your mortgage is possibly a great way of merging all your outgoings into one easy to manage, more consistent monthly payment.

You should always remember though that this type of action will extend your debt over the duration of your mortgage term and means you will be paying back more overall. There’s lots to look at before you explore debt consolidation remortgages.

Bearing all of this in mind, we would absolutely recommend that you speak with a trusted Mortgage Advisor in Liverpool prior to securing any of your debts against your main asset; your home.

You should think carefully before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.

Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.

Remortgage to Remove a Name

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If you are listed as a co-owner of a property in Liverpool and would like to have someone’s name removed from your mortgage, you will need to start looking at the deals available to you for a remortgage.

Even if you were to remain with your current mortgage lender, you’ll be going through a similar mortgage process as when you first bought your home. The reason for this, is because the mortgage lender needs to remain confident in your creditworthiness and ability to maintain monthly mortgage payments by yourself, without needing to fall back on another party.

To learn more about these common Remortgage scenarios, feel free to take a look at our collection of Remortgage Guides. To get started on your own remortgage in Liverpool, book a free remortgage review today and a dedicated remortgage advisor will take a look at your case for you.

Mortgage Guides & Liverpoolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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