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Remortgage

Remortgaging your existing Residence or Buy To Let Property can be for a range of different reasons. Explore how we can help with whatever your reasons to remortgage might be.

Is A Remortgage What I need?

Homeowners who are approaching the end of their “Deal Period” with their current lender will start thinking about remortgaging to avoid moving over to a lenders standard variable rate- which might turn out to be quite uncompetitive. We can assist you with this by researching the whole of market to ensure that the new product is on that is competitive and meets your needs going forward.

Remortgaging can also be the right option if you are thinking about raising funds. See the below sections to help you understand remortgages and their purpose.

See Reasons To Remortgage Below

End of Fixed Rate

When approaching the end of you deal period, we can scan the whole market to find you the cheapest deal, whether that's with another lender or your existing lender.

Additional Borrowing

From raising funds to carry out home improvements to consolidating debt, we can help you to find the right remortgage product.

No Additional Borrowing

A remortgage doesn't have to involve additional borrowing, we can help you to just find the most competitive mortgage product.

Borrower Change

Following a change in circumstances, even if you need to make a simple change such as changing the borrowers we can help you with that and find you a competitive rate at the same time.

Some Reasons Why You Might Remortgage

People remortgage for different reasons, here are some goals that you can achieve through remortgaging.

Home Improvement Works
Raising the funds to enable you to carry out home improvement works whether that's a new kitchen or a building an extension.
Raising a Deposit
If you are thinking of purchasing a Buy to Let property but do not have all or part of the deposit you can raise funds for the deposit through a remortgage.
Gift a Deposit To Family
You can use a remortgage to raise funds to gift to your children or other family members who are trying to get onto the house ladder.
Debt Consolidation
In certain circumstances, a remortgage might be suitable for you to repay your other debts through raising funds against your property.
Change Mortgage Term
Increasing or Decreasing the length of your mortgage can also be done through a remortgage, we will scan the whole market to find you the best deal at the same time.
Interest Only to Repayment
If you are on an Interest Only mortgage and would like to convert it to a repayment mortgage, we can advise you on that and find you the cheapest mortgage product.
Let's Discuss

Your Remortgage Needs

If you are thinking of Remortgaging for any of the above reasons please get in contact with us, we will be happy to look at all the options that are available to you before making a suitable recommendation. In any case increasing the mortgage on your home should not be a decision that is taken lightly, being able to afford the new mortgage is critical, as you could lose your home if you do not keep up mortgage payments.

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Advice Process & Remortgage Stages

1

Understand

We start off with a discussion around your needs, demands & circumstances.

2

Advise

Discussion around the different options and your thoughts.

3

Recommend

Recommend a suitable product to meet your requirements.

4

Implement

We work with the provider to get your application approved.

Stage 1: Assessment of current situation & Requirements going forward
It is important that a discussion takes place around your current circumstances and your future goals, this will ultimately determine whether a remortgage is the right solution for you.
Stage 2: Decision in Principle (DIP) / Agreement in Principle (AIP)
As a decision in Principle will (to an extent) take in to account your financial information and usually involve a credit check, this should help to give you the confidence around being approved for the mortgage that you need.
Stage 3: Appoint a Solicitor & Apply for a mortgage
Many mortgage lenders offer a free legal package (on remortgage applications) whereby they will pay your legal/solicitor costs to make the decision to move your mortgage over to them an easier one.
Stage 4: Appoint a Solicitor & Apply for a mortgage
Once the lender has received your mortgage application, they will need go through an underwriting process during which they will assess your circumstances and whether your property is acceptable for them to issue you the mortgage on.
Stage 5: Mortgage Offer
If the lender is happy based on their underwriting of your application, they will issue you with a mortgage offer, outlining the terms upon which they will lend you the money. Your solicitor will also get a copy of the mortgage offer to enable them to prepare for completion.
Stage 6: Completion
This is the final stage of the Remortgaging process. If you are taking on additional borrowing as part of the remortgage then one of the tasks will be for your solicitor to request funds from the mortgage lender and pass the additional monies onto you.

Link

Link

If you’re coming from Windsor Castle, start by heading east on Thames Street toward Datchet Road. Follow the road and continue onto Windsor Road (A332) toward Slough. After about 2 miles, take the exit for Bath Road (A4). Turn right onto Bath Road and keep driving straight for around 1.5 miles. You’ll see Cubic Financial Services – Mortgage Broker at 268 Bath Rd, Slough SL1 4DX, on your right side, just after Dunelm and KFC Slough. It’s easy to spot, and there’s parking available nearby for visitors.