Remortgages –

Remortgages
Express Funding has access to a whole market of lenders, which means that when you are thinking of remortgaging your property, we can find the best deal for you, whether you are looking to avoid a rate increase at the end of your current fixed or discounted rate period, or if you need to raise some extra money for a variety of reasons.

If you would like to discuss your options we can arrange for you to come and see us in our offices on Evesham High Street, or if you live in Evesham or the surrounding area we are happy to come and see you at your home when it is convenient for you.

Why Remortgage?

Capital Raising
If you have equity in your property and want to raise some extra money for home improvements, maybe to build an extension or replace your kitchen or bathroom, then we could help.
A remortgage could be one way of allowing you to raise the money you need. For example some of our clients raise money to carry out home improvements, or even to use to buy a holiday cottage or property abroad – saving the confusion and uncertainty of a foreign property mortgage.
If you are interested in raising some extra money, give us a call on 01386 800500 and Stuart will talk through your options with you.

Avoid Rate Increases
If your current mortgage is on a fixed or discounted interest rate period, then this means that at the end of that period, generally two, three or five years, your interest rate will increase significantly, often by as much as 2-4%, meaning that your monthly mortgage payment will become more expensive also.
We can look at your current mortgage and circumstances and should be able to find you a remortgage that is more affordable, and which suits your current needs. We understand that our customers’ lifestyles and situations change over time and that’s why we form an ongoing relationship, so that you can always contact us if your circumstances change, that way we make sure you will always have the best products for you.
If you want to look at moving to a better interest rate, call us to book an appointment on 01386 800500 and we will talk through your current circumstances and let you know if we can get you a better deal.

Debt Consolidation
In life, we all know everything doesn’t always go to plan, and for various reasons we can end up with credit commitments that are costing us more than anticipated. If this is the case it may be that to ease your monthly costs, you want to consolidate these debts into your mortgage. Although in some cases this can mean you are paying off your commitments over a longer period of time, you may rather do this than have a higher level of outgoings now. We will take the time to discuss with you the advantages and disadvantages of this course of action.
Personal loans, Credit cards, Hire Purchase agreements and Car Finance are all examples of credit which can have high interest rates and high monthly payments, by calling us, we can go through everything with you and discuss how we can help you improve your financial situation. We will never encourage you to remortgage your property to consolidate your debts if it isn’t in your best interests, which is why we encourage you to speak to us, even if it is just to talk about your situation.

Previous Credit Problems
If you have had credit problems in the past you may have a mortgage with a non-high street lender which currently has an interest rate that is higher than average, because you previously suffered from arrears, defaults or CCJ’s.
In many cases people have put these issues behind them and a few years down the line your credit rating has now improved and it is likely that there will be a wider choice of lenders who would now consider giving you a mortgage, at a significantly lower rate.
By getting in touch with us we can discuss your current mortgage with you and give you an idea of how much you could save by switching to a mainstream lender.

If you are looking to remortgage your home, you can rely on Stuart to find the best deal for you, whatever your circumstances – just give us a call on 01386 800500