Remortgage Advice in Cardiff

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Finding You The Most Suitable Remortgage Deal!

If you are reaching the end of your fixed term and would like to know what are your options and which is the best route to go down. We can look at your options and suggest looking into Remortgage Advice in Cardiff, this is something we can help you with.

 

Having worked in the industry for over 20 years, we have gained a lot of experience in helping customers find appropriate and competitive Remortgage deals that apply to their situation.

Remortgage Advisors in Cardiff

We have a team of Remortgage Advisors in Cardiff who will utilise our large panel of lenders to search 1000’s of Remortgage deals. If you are happy with our recommendation, we will then get your mortgage process underway and assist with your Remortgage application.

 

Here at Cardiffmoneyman, we believe that customers are the heart of this company and we will always recommend the best route for them to take. If you would be better off staying with your current lender’s standard variable rate, our Mortgage Advisors in Cardiff will be completely open and honest with you.

 

We recommend that everyone who gets in touch utilises the free Remortgage appointment we offer to all of our customers. This free remortgage review will help us to help find you a much more preferable mortgage rate, which will save you money in the long run.

 

For more information contact a trusted, open & honest Mortgage Broker in Cardiff today and we’ll take a look at your current situation to find ways we can help you with your remortgage.

 

How does it work?Get a quote nowMeet your advisor

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

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Popular Reasons to Remortgage in Cardiff

Remortgage to Find a Better Deal

We tend to find that homeowners will look to take out a Remortgage because once your deal ends, you will be automatically placed onto the Standard Variable Rate of your mortgage lender, which isn’t always the best of outcomes for homeowners.

 

The main reason why it’s sometimes best to avoid this route is that the interest rate for an SVR can sometimes be a lot more than your initial fixed period. This means your monthly mortgage repayments will likely go up. Thus, taking out Remortgage Advice in Cardiff is a regular choice that homeowners make, months before their term ends.

Remortgage to Fund Home Improvements

Our Mortgage Advisors in Cardiff will do everything to support a wide assortment of different mortgage customers when it comes to equity release as a means of funding any potential home improvements.

 

This is the go-to choice for homeowners who are looking to get started on any home improvements they have been planning for, such as a new extension to the home, and a newly renovated kitchen.

 

If you look into the various ways that you could release a large amount of equity to fund any new home improvements, we have a large variety of different mortgage lenders who may want to see quotations of how much the work is expected to cost.

Remortgage to Consolidate Debts

Other homeowners may look to use their mortgage to consolidate any unsecured debts they have, to allow them to combine all their current outgoings into one strong monthly payment that will be consistent throughout their term.

 

It is essential to remember though that this type of route will extend your debt over the course of your mortgage term and by the time it finishes, you’ll have paid back more overall.

 

We would highly suggest that you speak with an expert Mortgage Broker in Cardiff before securing any of your debts against 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

If you are the co-owner of a property and are thinking to take someone’s name off your mortgage, this may be achievable by taking out a Remortgage in Cardiff.

 

If you are much better staying with your current lender, you’ll find that the mortgage process won’t change too much. Ether way the lender will need to have faith that you have good credit and are reliable in your monthly mortgage repayments without anyone as a backup.

 

For more information on anything, we have mentioned here regarding Remortgages. Please feel free to take a look at our handy guides in our Remortgage section or speak with one of our expert Mortgage Advisors in Cardiff.

Why Choose us for your Remortgage in Cardiff

Free Remortgage Review

Our hardworking team of Mortgage Advisors in Cardiff will offer their full support throughout the entire process. We off a free initial Remortgage review to everyone who gets in touch, so please don’t hesitate.

 

The team are available all throughout the working week and even on weekends, from early on in the day until later on at night, with bookable appointments that can fit your busy lifestyle.

 

If you are wanting to know your choices for remortgaging to release equity or looking to find a better deal, our team of Mortgage Advisors in Cardiff will be on hand to take a look at your options with you.

 

We can search 1000’s of remortgage deals including specialist mortgage products to determine which mortgage option would be most suitable for your personal and financial circumstances.

 

We provide a high-end service to all customers, including providing open and honest Mortgage Advice in Cardiff. We love doing what we do, trying our best so customers can achieve their property-owning goals.

 

To book a free Remortgage appointment, please contact us today or book yourself via our online form. Our delegated Mortgage Advisors in Cardiff are readily available to answer all your mortgage questions and get your Remortgage journey started.

Reviews Stars5.00 Rating3 Reviews

Common mortgage
questions

It can still be possible to get a mortgage, even with bad credit problems in the past. Even though it may be a little harder, it isn’t impossible!

You may have to put down a higher deposit if you have bad credit, this could be 10%-15%.

Your first job is to carry out our mortgage Fact Find so that we can get an idea of your mortgage needs and what sort of deals you want to be looking for.

Afterwards, we will book you in with a Mortgage Advisor in Cardiff who will get a couple more pieces of information from you.

Then we can arrrange an Agreement in Principle for you within 24-hours to increase the chances of the seller accepting your offer.

If you’ve found yoru dream home, and are happy with our mortgage recommendation, we can start the mortgage application process! A formal mortgage offer can take longer than 3 weeks, during which, we will keep you informed with the progress of your application.

During your mortgage application, you’ll be asked to provide evidencing documents:

– Latest 3 Payslips (Employed), Last 2 years’ Accounts (Self-Employed)
– Latest 3 Months’ Bank Statements
– Latest P60
– Photographic ID

Depending on why you want to get a second mortgage, it may be easier to get one than not.

There are various reasons why someone may want a second mortgage, for example:

– Buy to Let
– Debt Consolidation
– Home Improvements
– Second Home
– Marital / Relationship Breakdown

The same fees that were involved with your first mortgage purchase will be similar to those when you Remortgage. Your Remortgage Advisor in Cardiff will run through all of the costs and fees so that you know exactly what you are paying for.

Your free Remortgage consultation will last around 30-60 minutes. During your consultation, your dedicated Remortgage Advisor in Cardiff will learn a little more about your Remortgage needs and situation. With this information, they can then go and search for the perfect deal for you.

We will always be open and honest with you; if we can’t find you a better product, we will be transparent with you and tell you so.

Yes, you can consolidate your debts into your mortgage, but you should only do so if it’s absolutely necessary.

If you have built up any unsecured debts, you can remortgage and increase the size of your mortgage to incorporate the debt. There are downsides to debt consolidation though, so sometimes it may be beneficial to speak to a professional Mortgage Advisor in Cardiff.

You should always keep on top of when it’s time for you to Remortgage. When you come to the end of your mortgage term, you will slip onto your lender’s standard variable rate of interest (SVR). A lenders SVR is not going to be their best rate, so before you end up on their SVR, you should search for Remortgage / product transfer deals.

More often than not, assuming that mortgage payments have been kept up-to-date, people are able to access a better mortgage rate and don’t even know it. All you need to do is shop around or appraoch a Mortgage Broker in Cardiff like us.

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.

Handy quick links

Cardiffmoneyman.com & Cardiffmoneyman 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.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Cardiffmoneyman

Cardiffmoneyman, 4th Floor, 14 Museum Place, City centre, Cardiff, CF10 3BH.

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