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Remortgage Advice in Bristol

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Let us Find you the Perfect Remortgage!

Usually with most homeowners there comes a certain point in time where your mortgage is coming to an end. At this point it is time to start to look towards a possible Remortgage. We often find that our customers get in touch three months prior to their existing fixed period ending. 

 

Remortgaging can be a good opportunity to improve your financial stability, by giving you the option to consolidate any short-term debts. This is subject to each individual circumstance, and prior to consolidating any debt we would always recommend speaking to a mortgage advisor. 

 

Whether you are remortgaging to release equity, to get better rates, find a more appropriate deal or more, we will always do our best to ensure the process is quicker and smoother than the first time. 

 

Although the process is slightly more straightforwardthere are still some elements that remain the same as your initial purchase. Such as, you will still need to get a valuation, as well as hiring a solicitor who will transfer the deeds from one financial institution to another. 

 

You will also need to make sure you have the right supporting documentation, and you will be subject to the same checks as a standard mortgage application: including an affordability assessment and credit check. 

 

How does it work?Get a quote nowMeet your advisor

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

Popular Remortgage scenarios in Bristol 

As a Mortgage Broker in Bristol we have helped many people take out a Remortgage, not to mention there is rarely a situation that we have not come across. Below are some popular Remortgage scenarios that we assist with: 

  • A change in your Marital status 
  • Would you like to raise capital for a large purchase, such as Home improvements or Weddings 
  • You are looking into Debt Consolidation to explore the costs of combining unsecured debts on credit cards, loans, on to your mortgage. 
  • Is your current Fixed-Rate Mortgage coming to an end, and you are looking for a better rate? 
  • Remove a Name from a mortgage 
  • Other Personal Circumstance Changes 

These are just a few examples of why people may choose to Remortgage. If there is something we missed, contact us today to book your free remortgage consultation in Bristol & see how we can help you. 

Why choose us for Remortgage Advice in Bristol? 

We offer all our customers a free remortgage consultation. We understand the busy lifestyles of today that is why our free remortgage consultations with your Mortgage Advisor in Bristol are available daytimes, evenings, or weekends. 

Our Mortgage Advisors in Bristol have a wealth of knowledge when it comes to helping customers remortgage. Whether you are looking to release equity or secure a better rate, we are ready to help you find the perfect remortgage deal.  Unlike your Bank, we can search through 1000s of remortgage products to find you the best deal for your circumstances.  Contact us today to book your free remortgage consultation in Bristol & see how we can help you. 

What our customers say

Common mortgage
questions

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

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

It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you want to use it for yourself, a family member, a holiday home, or a Buy to Let.

As your mortgage broker in Bristol, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check gets required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

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

Your initial free remortgage consultation in Bristol can last around 1 hour. We will then compare a new deal vs your current product and recommend the most appropriate one, with no obligation to you. next, it’s up to you to then decide whether you wish to go ahead with the mortgage or take a step back.

You can remortgage and increase the size of your mortgage to pay off any unsecured debts you may have. Please do not rush into this though as there are some downsides. We highly recommend too all customers always seek Mortgage Advice in Bristol before consolidating debts!

Your chances of saving money go up if you are on your lenders SVR (Standard Variable Rate of Interest). We will compare the new products available 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, this gets used for things like home improvements.

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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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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
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