Getting Remortgage Advice

When considering a remortgage, it’s definitely wise to get all the information you can before taking any decisions.


The first step should be to have a good shop around, do the research and familiarise your self with the different types of remortgage deal that are available. You may be surprised by how much information about borrowing is available for free on the Internet.

Many sites have both information and advice to use to your best advantage. Also, remortgage calculators are a great asset when it comes to comparing remortgage deals. Make sure you only use the advice that comes from reputable sources, and bear in mind that if a site is trying to sell you a particular remortgage deal it’s not exactly an objective source of information. A true mortgage adviser will tell you if you should remortgage or maybe look at other alternatives.

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Current Lender

Another possible source of free advice is your current lender. If you’re thinking about remortgaging, it can pay to approach them at least initially and find out what they’re willing to offer you to retain your custom. You should ideally still shop around and compare this to your other options, but it can be a useful source of information to get you started.

Bad Credit

If you have bad credit, you may find your remortgaging options limited. Although it will affect the choice of deals that are available to you, you should still be able to get a remortgage even with a poor credit history.

However, if this applies to you, make sure you understand fully the terms of any potential remortgage deal before going ahead with it. If you’re finances are not in a good state at the moment, the last thing you need is to make matters worse by ending up with more payments you can’t manage.

If you are looking for bad credit remortgages, you might find the services of a mortgage broker helpful. They may be in a better position to access the available deals for you given your credit status, and may also be able to explain to you the merits and drawbacks of those deals. As always, make sure you understand any costs involved with using these services, such as conveyancing fees,as you don’t want to secure a great deal on a mortgage only to find yourself with an hefty unexpected bill.

In General

Any advice that you do get is only worthwhile if it’s quality advice, so you should only take notice of it if it comes from a reputable, reliable source.

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