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Remortgage Advice in Birmingham

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Let us Find you the Perfect Remortgage!

If you are heading towards the end of your mortgage term and do not want to sell up, then a Remortgage is definitely for you. Whether you are looking to find a better rate, release equity for home improvements or consolidate unsecured debt, you may find something beneficial in this Mortgage Option. Our experienced Mortgage Advisors in Birmingham are available from morning until late to answer all your Remortgage questions as well as search 1000s of products, ensuring you get the best deal available for you.

 

As providers of Open & Honest Mortgage Advice in Birmingham, if we cannot help you or feel the deals we can source are not ideal for you, we will be transparent and let you know.

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We search 1000s of mortgage deals across a large number of lenders, including:

Experienced Mortgage Broker in Birmingham

Over the years we have come across most Remortgage situations. Below is a list of some of the most popular scenarios:

  • After a better rate at the end of your Fixed-Rate Mortgage?
  • Looking to raise capital for a large purchase, such as Home improvements, Weddings and so on?
  • Would you prefer to fix your monthly mortgage payments to protect against future interest rate increases?
  • Need to remove a name from a mortgage, such as an ex-partner?
  • Your credit profile has changed since taking out your current mortgage deal and your current lender has declined you?
  • Maybe your current provider will not lend enough?
  • Your Remortgage situation is a little complicated and you need help?
  • Looking to combine unsecured debts such as credit card debts, onto your mortgage?

You should look to make seeking advice from an experienced Mortgage Advisor in Birmingham your priority when looking to secure debts against your home. This is so we can make you aware of the risks involved in carrying out debt consolidation.

 

No matter the requirements for your mortgage, our experienced Mortgage Advisors in Birmingham will help find you the best solution for your individual circumstances.

 

Get in touch today to book your free remortgage consultation with a Mortgage Advisor in Birmingham and we will see what we can do to help you out.

Free Remortgage Consultation in Birmingham

All customers who get in touch are welcome to a free initial remortgage consultation. Life can be busy and we understand this. This is why our remortgage consultations with your Mortgage Advisor in Birmingham are available 7 days a week from early until late.

 

Our Mortgage Advisors in Birmingham are incredibly knowledgeable when it comes to helping customers with their Remortgages. Whether you are looking to release equity or secure a better rate, we are ready to help you get the ball rolling on a Remortgage, finding you the best possible deal we can for your circumstances. Unlike bank, building societies and estate agents, we are able to search through 1000s of remortgage products for you.

 

Our team really do love what we do here at Birminghammoneyman, providing Open & Honest Mortgage Advice in Birmingham, and this really shows through in our genuine customer reviews. Feel free to take a look!

 

Contact us today to book your free remortgage consultation in Birmingham & see how we can get the ball rolling.

What our customers say

Common mortgage
questions

If you are on your lenders SVR (Standard Variable Rate of Interest), it is more than likely that you will be able to save money! We will compare the new mortgage deals available in Birmingham against your current mortgage deal to work out these savings for you. If you have equity in your property, a remortgage would also allow you to release some of this money if required. Usually, for home improvements.

You can remortgage and increase the size of your mortgage to pay off unsecured debts. Please do not rush into this though as there are some downsides. Always seek Mortgage Advice in Birmingham before consolidating your debts!

Your free remortgage consultation in Birmingham will last around 1 hour. Your remortgage consultation can be carried out over the telephone or face to face. We will then compare a new deal vs your current product and recommend the most suitable with no obligation. You can then decide whether you wish to go ahead or not.

The fees will be similar to the ones involved when you started your current mortgage. However, your dedicated Mortgage Advisor in Birmingham will run through all of the fees with you. Taking these into consideration when comparing the savings of the new deal vs your current mortgage.

As your Mortgage Broker in Birmingham, we carry out a Fact Find to establish your needs prior to recommending the most suitable mortgage for you. A credit check is then required for an Agreement in Principle and then once you have provided all the relevant documentation and a valuation of the property has been carried out a formal mortgage offer can be issued

It can be possible to get a second mortgage on your home in Birmingham for debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if it is for your own use, the use of a family member, a holiday home or a Buy to Let.

If you have had credit problems you can still get a mortgage but you may need to put down a higher deposit than usual, perhaps 15% of the purchase price.

To prove income it’s usually three payslips for an employee and the latest 2 years’ accounts for Self Employed. In addition, you will need to produce proof of ID, address and 3 months’ bank statements.

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We make it so easy!
Our 4 step process

Step 1

An initial telephone call where we take some details and look at your Remortgage plan.

Step 2

A discussion about your personal requirements. You already own the property this time around, you can avoid the property chain!

Step 3

We will search and compare 1000s of products to find you the most appropriate deal.

Step 4

Application stage - We'll ensure everything goes smoothly with the lender. You'll have our support from your initial contact right through to when your remortgage process has completed.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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Birminghammoneyman.com & Birminghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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