Fast UK Remortgages

Remortgages

Specialist remortgaging services can make a remortgage easy with a competitive choice of fixed and variable rate deals. Don't put it off any longer - do it today and you could soon be reducing your monthly outgoings.

What is remortgaging?

Remortgaging is transferring your mortgage from your existing lender to another lender without moving home.
These days switching loan providers is easy, and with interest rates in the UK still relatively low, it's still a good time to consider remortgaging.
Remortgaging has risen sixfold over the last five years. Recent figures reveal that more borrowers are choosing to remortgage and take advantage of the availability of better rates and competitive deals, rather than the expense of moving home.

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Better Rate

Homeowners can save themselves thousands of pounds by remortgaging, and reduce their monthly payments within weeks.
Many homeowners do not realise the savings potential of remortgaging, especially in our present competitive market. Your original Remortgage Couple mortgage lender will not reward your loyalty with a reduction in rates. Financial advisors recommend shopping around for the best mortgage deal, as with home and car insurance.

More than half of all borrowers are continuing to pay over the odds for their mortgage each month. Remortgaging can save you money or reduce the term of your mortgage. Your personal circumstances may have changed and you may want to consider a different type of mortgage. If you are approaching the end of a fixed-rate or discount period you should start shopping around some months in advance. Our top lenders specialise in finding you the most competitive remortgage rates.

If you are paying a standard variable rate (SVR) then you can potentially save thousands of pounds over relatively short periods, by switching to lower-rate fixed, discounted or tracker deals.

Someone with a £100,000 loan who switches from a standard variable rate deal could save about £1,000 a year for each one-percentage point reduction in their interest rate.

Release Cash

Remortgaging is not only about saving money. A remortgage can easily release equity that has built-up in your property's value.

Changing to a better mortgage deal, as well as being an excellent way to make immediate monthly savings, will also enable you to get hold of some extra cash.
Borrowing through your mortgage can often be much cheaper than taking out a personal loan. You can choose to remortgage for the remainder of your mortgage, or more if you want to release some equity.
Remortgaging can be the best choice of loan to consolidate all your debts, replacing outstanding personal loans and credit card debts.
Instead of the expense of moving house, releasing equity from your property can enable you to make home improvements - such as a new kitchen or bathroom or an extension - increasing the value and improving your living space.

Choose the right mortgage option for you - Fixed, Discounted, Capped or Flexible

A Fixed-rate mortgage will give you certainty, so you can carefully regulate how much to spend each month. The rate is generally fixed for 2- 5 years.
A Discounted mortgage can offer a reduction to the standard variable rate for a specified period. If interest rates subsequently fall, then your mortgage payments will also go down. However, if rates rise so will your payments.
A Capped-rate mortgage fixes a limit on the rate you will pay. Despite interest rates rise your payments will not go above that set level. If rates fall below the set limit so will your repayments.

Flexible mortgages are an ideal choice for people with fluctuating incomes, or who want to clear their mortgage early. This flexible option allows overpayment and underpayment when you choose, without any penalty.

Repayment mortgages are now much more popular than interest-only mortgages. The poor performance of endowment backed mortgages has convinced many homeowners to switch to a repayment mortgage, where borrowers know for certain that they will be able to pay back the loan.

How to Remortgage

Your new lender will value your home - they'll take care of all the paperwork and deal with your existing lender.
Some lenders offer remortgaging services with free legal work and valuations, and it usually takes about a month to complete the remortgage.

You can find a Remortgage or Mortgage product to suit your own individual requirements - just complete the fast track form below and we'll get someone to contact you as soon as possible to discuss your requirements. Our lenders can help in most cases of:

Rent arrears
County Court Judgments
Bank & other defaults
Old repossession orders
Credit problems
Discharged Bankruptcy orders
Unusual Properties
No income proof

There's no obligation, no catches and the whole service is confidential.

Secured loan phone help Loansite is one of the longest established finance sites in the UK - we've helped thousands of people find loans and mortgages so why not let us do the shopping around for you?

Don't worry if you've had past credit or money problems - our panel of lenders offer competitive rates, so fill in the fast enquiry form or talk to a friendly advisor on 0800 043 7474 and find out how you can get the remortgage you want.

Loansite is a Limited company based in Cardiff, UK.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE

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