REMORTGAGE ADVICE

Remortgaging to another lender can save you on the cost of your mortgage, but it’s important to make a careful and fact-based evaluation before committing to the decision. At Fowley Mortgage & Financial Services we will assist you with looking at the real savings that can be made when taking all costs in to account, because simply going for the lowest initial rate doesn’t always give you the best deal.

MORTGAGE TERMS ARE ALSO A FACTOR

Although a significant motivator, reducing the cost of your mortgage isn’t the sole reason for remortgaging, and we will guide your thinking with regards to the terms of your new mortgage. The mortgage term, redemption penalties, and the ability to make overpayments are factors that will shape how you manage your mortgage and, If circumstances fit, we may advise on the offset mortgage market, which can be particularly advantageous for those wishing to retain ready access to their savings

IT MIGHT BE THAT REMORTGAGING IS NOT YOUR BEST OPTION

Although in the majority of cases our clients will benefit from remortgaging, it is sometimes a better outcome to stay with your current lender via a product transfer, or with the lender SVR (standard variable rate). If this is the case, we’ll simply advise in this direction and qualify our opinion with a fact-based perspective. Although being paid via lender fees, we have a professional obligation and fiduciary duty to make sure we help you make the best decision, and if this means staying with your current lender, then this is what we will advise

A FULL REMORTGAGE SERVICE THROUGH TO COMPLETION

On deciding which remortgage product is right for you, we will make the application on your behalf and progress it through to finalisation. Given that you could save both time and money remortgaging through us, on a zero-obligation basis, why not Contact Us to see if we can help

YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE