Product Transfer or Re-mortgage?

ISSUES OF CONCERN IF YOUR MORTGAGE DEAL IS COMING TO AN END

we recommend starting the process 3 months before the expiry of your existing fixed rate or discounted mortgage deal
if the options available from your existing lender are not good enough, it can take that long to get a re-mortgage in place with a new lender
by staying with your existing lender you will not need to prove income and it may be a cheaper option but many lenders will charge a new product fee to existing customers on the product transfer
we will advise you whether it is better to stay put or to move to a new lender, and we will make the necessary arrangements on your behalf whichever way you decide to go
many lenders offer free valuation fees and free legal work on a re-mortgage, and if it is also possible to find a cheaper interest rate elsewhere then you may be better off by moving
as whole of market brokers we will be sure to find the cheapest interest rate available to you in the UK, but your circumstances will dictate which lenders we are able to use
if you need to raise more money at the same time we can also handle that on your behalf
we will also advise on issues such as the need to repay your mortgage before retirement

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.