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The Mortgage Advisers will

search the market for a

Homebuyers or Property

Investors best rate

remortgage deal. They

access the whole of market

mortgage rates

Remortgaging is where you repay your existing mortgage and switch to another lender When you take out a new mortgage, you sometimes get an introductory deal. Often a low fixed or discounted rate or a low tracker rate for the first few years of your mortgage. These type of Introductory deals can last between two and five years. Once the deal ends you will then move onto your lender’s standard variable rate. This is where planning ahead for when your current rate ends is a great idea. Instruct your Mortgage Adviser to search the whole of market well in advance of your current rate ending, you will then be able to choose the next best deal for you.

Switching to a new mortgage

deal may save you money.

Remortgaging Advice

Before you switch - Check out the

costs.

You will have legal, valuation and administration costs to pay. The financial regulator introduced new rules to increase consumer protection and ensure that lenders act responsibly. You will be asked more information when you carry out a Mortgage Market Review (MMR). The application process is longer than before but you can be rest assured that your Lender is watching out that you can afford the loan. Your Mortgage Adviser is here to help you get the best deal for your move, remortgage or buy to let investment property. Some Lenders offer free legals. Do your sums and look at what the deal costs you. Watch for penalty clauses that apply your chosen deal. Some deals look good but are not portable. This means you are penalised if you want to move house.
We search the market for the best Remortgage deal for you

Why use a Mortgage

Adviser?

Taking advice from a qualified expert offers you extra protection because if the mortgage turns out to be unsuitable, you can complain to the Financial Ombudsman. Switching to a new mortgage online or by post, without any advice from your lender is known as execution-only. If you go down the execution-only route you can’t ask the lender for an opinion on which mortgage is right for you.
Do you know what you can afford?

Understand your costs each

month. 

What can you afford?

Get ready to show evidence of your income, such as payslips and bank statements, and your outgoings, including other debt repayments, household bills and living costs such as travel, clothing, entertainment and childcare. Let your Mortgage Adviser search the market for you.
Mortgage Market Review
MORTGAGE MARKET REVIEW           (MMR) The purpose of the review is to focus on affordability and responsible lending  
MMR - MORTGAGES

             Complexity made easy

It is your responsibility to understand that your home may be repossessed if you fail to keep up your mortgage repayments

Complexity made easy

Remortgage

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