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Remortgage Advice in Essex

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Remortgage Advice in Essex

Looking to remortgage in Essex? If you are looking to release equity or compare like for like products, book a free remortgage review today and secure your financial future.

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Looking to remortgage in Essex?

Once you start heading towards the end of your fixed mortgage term, you may be thinking that your best option to take will be a Remortgage in Essex. If this is the case, you are in good hands with us!

Across our two decades of working in the mortgage industry, including with Remortgages, we have helped thousands of homeowners to find much more preferable and competitive Remortgage deals, that are better suited for their circumstances and needs.

Our open & honest remortgage advisors in Essex have the ability to search through 1000s of Remortgage deals for those who get in touch. If you are happy to go ahead with the remortgage deal that our mortgage advisor in Essex finds you, we can then go ahead and get you started with your remortgage, submitting your application to the appropriate lender.

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Remortgage Advice in Essex

Helping you to remortgage in Essex.

Our trusted and experienced mortgage advisors in Essex always put our customers first and will always make sure that they are recommended the absolute best option for them to take. If you are better off staying put with your current lender, with your current deal, our Mortgage Advisors in Essex will be transparent and inform you of this

We would definitely recommend that you take advantage of a free remortgage review on offer with one of our expert mortgage advisors in Essex. Getting a free remortgage review could allow you to access a better mortgage rate, potentially saving you even more money down the line.

Get in touch with an experienced and knowledgeable mortgage broker in Essextoday and we’ll see how we can help with your remortgage.

How does my free remortgage review work in Essex?

At Essexmoneyman, we offer a complimentary free remortgage review with a dedicated mortgage advisor in Essex. The review typically lasts between 30 minutes to 1 hour, during which we will assess your current mortgage arrangement and explore whether there are any opportunities to secure a more favorable rate. Additionally, we will examine all of your other remortgage options available in Essex.



Our philosophy is grounded in transparency, which means that if we identify a better rate for you, we will scour thousands of remortgage deals in Essex to find the ideal on

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Remortgage FAQ's in Essex

What is a remortgage in Essex?

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If you are currently residing in Essex and have an existing mortgage, a remortgage involves securing a new mortgage for the same property once your current deal ends. This is a popular option for homeowners who opt for a fixed-rate mortgage to maintain consistent payments for a set period of time, and then look to remortgage in Essex to secure a better deal.



To be considered a remortgage in Essex, you will need to obtain a mortgage from a different lender than your previous one. If you choose to obtain a new mortgage with the same lender, this is referred to as a product transfer.

What are the benefits to a remortgage in Essex?

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Given that mortgages are among the largest financial commitments you make, it is only natural to seek out the best interest rates available. This is why many people consider remortgaging in Essex.



There are several reasons why a homeowner may opt to remortgage in Essex, including accessing equity to fund home improvements or consolidating unsecured debts.



Failing to remortgage in Essex could result in being placed on the more costly standard variable interest rate offered by your mortgage lender. As a result, remortgaging in Essex can be an excellent way for homeowners to save money.

Can I consolidate my debts into my mortgage in Essex?

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Depending on the size of your unsecured debt and the lender you used, it may be possible to remortgage in Essex to include your debts in your mortgage. However, it is essential to note that this will likely increase your monthly mortgage payments and the mortgage term.



It is crucial to think carefully before consolidating your debts into your mortgage. By securing your unsecured debts against your home, you may be putting your property at risk if you are unable to make the necessary repayments.



It is important to note that while the total monthly cost of servicing your debt may have reduced, the overall repayment cost may still be higher due to the longer mortgage term required to repay the debts initially.

Are there fees involved with remortgaging in Essex?

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The costs associated with remortgaging in Essex are similar to those incurred during the initial mortgage setup, and they vary depending on the mortgage broker in Essex you worked with for your first mortgage.



When you consult a mortgage broker in Essex, they will review all these expenses with you. These costs will be taken into account when comparing the potential savings of the new deal to your current mortgage.

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Our Simple Remortgage Process

Free 30-Minute Remortgage Review

Step 1

In your appointment, you will converse with one of our skilled remortgage advisors in Essex about your present circumstances and what you aspire to accomplish.

By gathering details about your income and expenditures, our mortgage advisors in Essex will be able to determine your affordability.

We Can Search 1000s of Remortgage Deals

Step 2

Our team will comb through thousands of remortgage products to identify the most fitting option for you!

Prior to proposing the final product, we will take into account your individual and financial circumstances.

Submit Your Remortgage Application

Step 3

After your offer has been accepted, your remortgage advisor in Essex will initiate the submission of your complete mortgage application and forward all supporting documentation to the lender.

Throughout this process, your appointed case manager will keep you informed at every stage until you obtain your official remortgage offer and conclude the transaction.

Protecting You and Your Mortgage

Step 4

We are committed to going the extra mile for you. In addition to securing the optimal remortgage deal, we will suggest suitable insurance options to safeguard you and your loved ones.

Moreover, we will get in touch with you when your next remortgage in Essex is up for renewal to ensure that you always have the most advantageous deal available.

Reasons to Choose us

Free Mortgage Review

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Our dedicated and trusted team of expert mortgage advisors in Essex will offer every single one of our customers the opportunity for a free remortgage review in Essex with one a member of our team.

We have experienced and knowledgeable members of our mortgage advice team available 7 days a week, from early on until late at night, with bookable appointments that work around both your personal, professional and family lives.

1000s of Remortgatge Deals

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If perhaps you are considering your options for releasing some equity from a remortgage, or even if you’re simply looking for a better deal, our expert mortgage advisors in Essex are ready, willing and able to analyse the mortgage options that are available to you.

We can search through 1000s of specialist and unique mortgage products, matching you up with various mortgage lenders criteria, in order to find the most suitable mortgage deal for your personal situation.

Our Service

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Here at Essexmoneyman, we are incredibly proud of the fact we can provide a fast and friendly Mortgage Advice in Essex. We adore the work that we do, working hard to ensure that we help customers to achieve their mortgage goals.

To learn more about the mortgage advice service in Essex that we provide and to see the levels of customer satisfaction we work hard for, feel free to take a look at our genuine customer reviews. You’ll see a wide variety of customers who were more than thrilled with our mortgage advice service.

7 Days a Week

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If you would like to book a free remortgage review, get in touch or use our online booking feature to select a date a time that best suits you, subject to appointment availability. Our trusted Mortgage Advisors are here to answer all of your questions and concerns, getting your remortgage process started.

Malcolm and Amy Davidson - Mortgage Advice in Essex

We Search 1000s of Remortgage Deals in Essex

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Common Remortgage Scenarios

Remortgage to Find a Better Deal

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It is recommended that you start weighing up your potential options for what to do next, once you start to head closer towards the end of your initial fixed mortgage period.



We regularly find that once people have reached this point, they will look to take out a remortgage on your home. The alternative to this is being switched automatically onto your lenders Standard Variable Rate, which can be less than ideal for a lot of homeowners.



The reason why so many prefer not to be on this, is because the interest rate for an SVR tends to be much greater than your initial fixed period, meaning your monthly mortgage repayments will inevitably go up.



This is one of many reasons why enquiring and speaking with one of our mortgage advisors in Essex about taking out a remortgage, tends to be a popular option.

Remortgage to Fund Home Improvements

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We have worked hard to provide mortgage advice services to a variety of different customers, and this is no different when it comes to releasing equity from their homes to fund potential home improvements you have been looking to make.



People often do this ahead of starting work on any large planned improvements, such as a home extension, a potentially remodelled kitchen, or a loft conversion.



If you are considering what options may be available to you for releasing a large amount of equity to fund any home developments, we have quite a selection of mortgage lenders on hand to help.



You may find that there are some who could ask you to show any quotations you have for the proposed work, prior to it taking place.

Remortgage to Consolidate Debts

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Some homeowners who are struggling with their credit may wish to consolidate any unsecured debts into their mortgage. The reason for doing so is that it allows you to merge all your outgoings into one manageable monthly payment that will be consistent for the duration of your mortgage term.



You must remember though that this type of practice will extend your debt over the course of your mortgage term and by the time your term ends, you’ll have paid more back overall. There will be a lot for you to think about when it comes to debt consolidation.



Bearing all of this in mind, we would highly recommended that you book a free mortgage appointment and speak to a Mortgage Broker in Essex prior to securing any debt against your main asset, that being 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 home and are looking to remove either yours or another name from the mortgage, this can be achieved by getting in touch with a mortgage broker and taking out a remortgage in Essex.



Even if you decide that you would much rather stay with the lender you’re currently with, you’ll find that you will be going through a similar process. The reason for this is because the lender needs to remain confident that the person who is staying on the mortgage can afford the monthly payments and has suitable credit.



For more information on any of the scenarios mentioned above or to gain a much deeper understanding of how remortgages work, feel free to go have a look at our Remortgage guides section or get in touch to book a free remortgage review with a remortgage advisor today.

Mortgage Guides

Essexmoneyman.com & Essexmoneyman 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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