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Remortgage Advice in Cardiff

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Remortgage Advice in Cardiff

If you are looking to remortgage in Cardiff, book a free review today and let us help secure your financial future.

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Looking to remortgage in Cardiff?

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 mortgage broker 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.

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Remortgage Advice in Cardiff

Helping you to remortgage in Cardiff.

We have a team of mortgage 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.

What is a remortgage in Cardiff?

A remortgage in Cardiff involves taking out a new mortgage on the house you already own when your existing deal is about to end.

Homeowners often opt for a fixed-rate mortgage to maintain consistent payments for a period of time, then remortgage in Cardiff for a better deal.

To be considered a remortgage in Cardiff, you must take out your mortgage with a different lender than before; taking out a new mortgage with the same lender is called a product transfer.

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Common FAQs for a Remortgage in Cardiff

What are the benefits to a remortgage in Cardiff?

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Remortgaging in Cardiff is a popular option for those who want to secure the best interest rate since mortgages are a significant financial commitment.

Homeowners may choose to remortgage in Cardiff to release equity for home improvements or to consolidate unsecured debts.

Failure to remortgage in Cardiff could result in being charged the standard variable interest rate, which tends to be more expensive.

Can I consolidate my debts into my mortgage in Cardiff?

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This answer may change depending on the lender you used and the size of the unsecured debt you have accumulated. But yes, sometimes you can remortgage in Cardiff to incorporate your debts into your mortgage. When you do this, your monthly mortgage payments will increase, as will your mortgage term.

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.

How does my free remortgage review work in Cardiff?

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Here at Cardiffmoneyman, we provide a free remortgage review that lasts 30 minutes to an hour with a dedicated advisor who will assess your current mortgage deal and explore other remortgage options in Cardiff.

If a better rate is available, our team will search through 1000’s of remortgage deals to find the perfect one for you and will be transparent about any fees involved.

Are there fees involved with remortgaging in Cardiff?

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The fees that are involved with remortgaging in Cardiff are like those that came with your first mortgage set-up, depending on which mortgage broker in Cardiff you went with first.

If you speak to a mortgage broker in Cardiff, they will run through all these fees with you. They will consider said fees when comparing the savings of the new deal with your current mortgage.

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Our Simple Remortgage Process

Free 30-Minute Remortgage Review

Step 1

During your appointment, you will have the opportunity to discuss your current situation with one of our expert remortgage advisors in Cardiff, and what you hope to achieve.

To assist our mortgage advisors in Cardiff in determining your affordability, we will need information about your income and expenses.

We Can Search 1000s of Remortgage Deals

Step 2

Our team will search through thousands of remortgage products to locate the most appropriate option for you!

Before finalising the product, we will take into account your personal and financial circumstances.

Submit Your Remortgage Application

Step 3

Once your offer has been accepted, your remortgage advisor in Cardiff will submit your full mortgage application and send all supporting documents to the lender.

Throughout the process, your dedicated case manager will keep you informed every step of the way until you receive your formal remortgage offer and complete your purchase.

Protecting You and Your Mortgage

Step 4

We strive to go above and beyond. In addition to securing the best remortgage deal, we will also recommend relevant insurance to protect you and your family.

When your next remortgage in Cardiff is due for renewal, we will contact you to ensure you are always on the best deal.

Reasons to Choose us

Free Mortgage Review

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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.

1000s of Remortgatge Deals

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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.

Our Service

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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.

7 Days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in Cardiff

We Search 1000s of Remortgage Deals in Cardiff

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Common Remortgage Scenarios

Remortgage to Find a Better Deal

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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

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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

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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

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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.

Mortgage Guides

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

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