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Fee Free Mortgage Broker Scunthorpe Mortgages Remortgages are an experienced mortgage broker in Scunthorpe. We offer various services including mortgages and remortgages of residential property, and buy to let, to associated general insurance (buildings & contents, life, critical illness and income protection). We have a team of professional mortgage brokers who have helped many people find a mortgage that suits them. We give honest impartialmortgage advice across the marketplace, not tied to any lender. As amortgage broker we have access to mortgages from all major lenders as well as some smaller specialist lenders and pride ourselves on finding the right mortgage for everyone. DonҴ let your mortgage search bog you down; MortgagesRemortgages are here to help. We offer a variety of mortgages andremortgages, with no broker fees at any point of the process. Approved applicants will receive our fee-free service with a team dedicated to guiding you through the entire process and answering any questions you may have. Advice on Mortgages Reasons for needing a new mortgage There are many different reasons for needingmortgage advice, first time buyers, equity release for home improvements or a remortgage to a new deal. We can supply you withexpert mortgage advice and service to find the best mortgage deal we can. Why choose Mortgages Remortgages࿼/h3> Fee FreeMortgage Advice ֠all mortgage advisers and estate agents are paid by the lender for arranging a mortgage application. Many of them choose to charge additionalmortgage broker fees on top. Mortgages Remortgages will never charge additional broker fees as we offer fee free advice on all of our mortgages. Call Us Why are we a good choice for Mortgage Advice? Honest Trustworthy Friendly Knowledgeable Advice Fast Initial Appointments Regular updates throughout the process Over 30 YearsҠexperience We can guide you through the whole experience, including helping you find a solicitor and liaising with the estate agent and solicitor. REVIEWS ֠What Our Customers Say EXCELLENT Based on 177 reviews Kim Brett 2023-04-07 Fast, free service that exceeded my expectations. Made a stressful process effortless and worked on our behalf. Thank you! Emma Roberts 2023-04-05 Excellent Service and advice received from Stephen, would highly recommend. He has worked for us on 3 mortgage deals over last 4 years, very satisfied with service and advice, he contacted us before our current deal expired and before the rates went up and sorted another great deal, thank you. speaker746 2023-04-05 Steve is absolutely brilliant, weҶe been with him two years now and heҳ been extremely helpful every time something mortgage related comes up, couldnҴ recommend him more! Olivia Lane 2023-04-04 Beyond helpful and has gone above and beyond for me despite many difficulties I have faced and many back and forth conversations, nothing was ever too much trouble and tried all options until I got a product that was best for me. Stephen didnҴ settle for the first option he pushed and pushed for me to get the best deal possible. Thanks Stephen Becca A 2023-04-04 Stephen has been amazing throughout the mortgage process. From our initial conversation on the first day, Stephen came back to me with multiple options for the mortgages and offered advice on which would be the best for my current position. Not only did he find me the best deal, he also consistently kept me updated and managed to get a mortgage in principle the day afterwards. We then had an in person meeting to discuss the potential term time of the mortgages and he presented the options available to me, offering advice on how to move forward. Stephen is very knowledgeable, made me feel completely at ease and the process was so fast. I will certainly recommend him Moving forward. Thank you Stephen! Christopher Marsh 2023-03-30 Absolutely brilliant service once again, got my mortgage as a first time buyer with steve and now remortgaged, so easy and stress free. 10/10 would recommend. Andrew Robinson 2023-03-29 I can't thank Steve and the team enough for the guidance they have given me through the mortgage process. Steves' knowledge and professionalism have made the process of buying another house so easy. I will be using their services again in the future and I hope you'll use them too! Thanks Steve for your outstanding service! Andy Roberts 2023-03-21 Steve offered a different approach to finding a mortgage, one which was far more personable, professional and hassle free compared to our previous high-street lender. Quick to react when required, knowledgeable and courteous. EDIT > What a shame that when I later approached Steve for help with a second holiday home mortgage his attitude was generally negative and at times plain rude. We went elsewhere and had a product sourced and secured within days. Alex Russell 2023-03-20 Excellent, knowledgeable service. Highly recommended. paul cumberbirch 2023-03-17 Steve has organised mortgages for me on several occasions over the last few years. He has always done this in a timely fashion and gets me the best deals on the market that suit me at the time. Ans he's fee free!! I would highly recommend Mortgages Re mortgages to anyone looking for a mortgage.
Interest Rates Rise for 10th Time in a Row The Bank of Englandҳ decision to increase the base rate by 0.5% this week highlights the importance of receiving sound advice in this market, not only for first-time buyers but also for those who are about to reach the end of their fixed-rate tenure. Borrowers who speak with an expert may be able to get past the headlines and gain a more comprehensive understanding of their options. ༯p> The Bank of England has raisedinterest rates for the 10th time in a row, upping the base rate by 0.5% to 4%. The increase see rates hit the highest level seen since autumn 2008 as the central bank battles to bring down inflation. With consumer price inflation having eased slightly in November, down to 10.7% from 11.1% in October, there had been speculation that a rise could have been smaller. However, the Monetary Policy Committee voted 7 to 2 for the 0.5% rise. The BoE has an inflation target of 2%. Later today the European Central Bank is expected toincrease rates across the EU by 0.5% while the US Federal Reserve lifted its rates by 0.25% last night. ༯p> Speak to an Expert Advisor Get in Touch Always Seek Professional Advice For people with existing mortgages and those trying to climb on the property ladder, the cost of living problem offers a difficult position.First-time buyers with small down payments might postpone their plans until they can more easily afford to obtain a mortgage. Although new buyers are essential to keeping the market afloat, it seems sense for them to exercise prudence when there is such a dearth of affordable property. Due to fluctuating interest rates andhome prices, borrowers with current loans may find it difficult to make overpayments and worry about their capacity to continue making payments. Before entering into any agreement, it is advisable to seek guidance because the best deal for each borrower will depend on their unique situation. ༯p> Speak to Us
Most of us heard the Autumn Statement that was delivered yesterday (17th November 2022) But what does this mean for the Mortgage Market? How will it affect us? Take a read of the below to find out how it will affect the mortgage market and us as individuals in general. Income Tax The tax free personal allowance remains at 㱲,570 and the higher rate tax threshold is 㵰,270. These thresholds have been frozen until 2028. The 45% additional rate tax threshold will be lowered from 㱵0,000 to 㱲5,140 from 6 April 2023. National Insurance (NI) The NI earnings thresholds have been frozen until April 2028, but the 1.25% additional Social Care Levy that was scrapped in September has not been reinstated. Inheritance Tax The Inheritance Tax Nil Rate Band and additional Residence Nil Rate Band will be frozen at 㳲5,000 and 㱷5,000 respectively for a further two years until April 2028. Pension allowances There has been no significant change to pensions; the headline Annual Allowance remains at 㴰,000 and the Lifetime Allowance remains frozen at 㱬073,100 until April 2026. State Pension The Pensions Triple Lock has been protected and the State Pension will go up by 㸷0 from April 2023, an increase of 10.1% in line with inflation. The government is also reviewing the State Pension age and will publish their review in early 2023. Dividend Tax allowance This is being reduced from 㲬000 per year to 㱬000 per year from April 2023 and to 㵰0 per year from April 2024. Capital Gains Tax The annual Capital Gains Tax exemption will reduce from 㱲,300 to 㶬000 from April 2023 and then to 㳬000 from April 2024. Stamp Duty Land Tax Stamp Duty changes announced in the previous Budget will remain until March 2025. In England and Northern Ireland the Stamp Duty threshold is 㲵0,000 and the first time buyer threshold is 㴲5,000 on properties under 㶲5,000. Tax on electric vehicles From April 2025 electric vehicles will no longer be exempt from Vehicle Excise Duty and Company Car Taxrates will increase, although they will remain lower than tax rates on traditional combustion engine cars. How will the Autumn Statement Affect Businesses? Windfall Tax Windfall Tax on the profits of oil and gas firms will increase from 25% to 35% until March 2028. There will be a new temporary 45% levy on electricity generators from January 2023 until March 2028. The Chancellor expects this to raise an extra 㱴 billion. Business Rates Properties will be revalued for business rates from April 2023, but there will be significant government support for firms including a new relief scheme. The government says that two thirds of properties will not pay any more in business rates. autumn statement VAT threshold The VAT registration threshold will be maintained at 㸵,000 for a further two year period from April 2024 and the headline rate of VAT remains at 20%. Living Wage increase The National Living Wage will rise from 㹮50 per hour for over 23ҳ to 㱰.42 from April 2023, an increase of 9.7%. National Insurance (NI) The National Insurance employment allowance of up to 㵬000 is frozen until April 2028. Energy Price Guarantee While this has been extended for households for a further 12 months from April 2023 (albeit at a less generous level), there has been no further support announced for businesses. The current relief ends in March 2023. Contact Us Today HOW WILL THE AUTUMN STATEMENT AFFECT ME? At MortgagesRM, we are experts at sourcing the very bestremortgage deals for our clients. We charge no fees to the people who come to us formortgage advice, we take a fixed fee from the bank. This means that our only motivation is to find you the very best deal out there ֠get in touch today and let us help you save money today.
Fee Free Mortgage Broker Scunthorpe Mortgages Remortgages are an experienced mortgage broker in Scunthorpe. We offer various services including mortgages and remortgages of residential property, and buy to let, to associated general insurance (buildings & contents, life, critical illness and income protection). We have a team of professional mortgage brokers who have helped many people find a mortgage that suits them. We give honest impartialmortgage advice across the marketplace, not tied to any lender. As amortgage broker we have access to mortgages from all major lenders as well as some smaller specialist lenders and pride ourselves on finding the right mortgage for everyone. DonҴ let your mortgage search bog you down; MortgagesRemortgages are here to help. We offer a variety of mortgages andremortgages, with no broker fees at any point of the process. Approved applicants will receive our fee-free service with a team dedicated to guiding you through the entire process and answering any questions you may have. Advice on Mortgages Reasons for needing a new mortgage There are many different reasons for needingmortgage advice, first time buyers, equity release for home improvements or a remortgage to a new deal. We can supply you withexpert mortgage advice and service to find the best mortgage deal we can. Why choose Mortgages Remortgages࿼/h3> Fee FreeMortgage Advice ֠all mortgage advisers and estate agents are paid by the lender for arranging a mortgage application. Many of them choose to charge additionalmortgage broker fees on top. Mortgages Remortgages will never charge additional broker fees as we offer fee free advice on all of our mortgages. Call Us Why are we a good choice for Mortgage Advice? Honest Trustworthy Friendly Knowledgeable Advice Fast Initial Appointments Regular updates throughout the process Over 30 YearsҠexperience We can guide you through the whole experience, including helping you find a solicitor and liaising with the estate agent and solicitor. REVIEWS ֠What Our Customers Say EXCELLENT Based on 177 reviews Kim Brett 2023-04-07 Fast, free service that exceeded my expectations. Made a stressful process effortless and worked on our behalf. Thank you! Emma Roberts 2023-04-05 Excellent Service and advice received from Stephen, would highly recommend. He has worked for us on 3 mortgage deals over last 4 years, very satisfied with service and advice, he contacted us before our current deal expired and before the rates went up and sorted another great deal, thank you. speaker746 2023-04-05 Steve is absolutely brilliant, weҶe been with him two years now and heҳ been extremely helpful every time something mortgage related comes up, couldnҴ recommend him more! Olivia Lane 2023-04-04 Beyond helpful and has gone above and beyond for me despite many difficulties I have faced and many back and forth conversations, nothing was ever too much trouble and tried all options until I got a product that was best for me. Stephen didnҴ settle for the first option he pushed and pushed for me to get the best deal possible. Thanks Stephen Becca A 2023-04-04 Stephen has been amazing throughout the mortgage process. From our initial conversation on the first day, Stephen came back to me with multiple options for the mortgages and offered advice on which would be the best for my current position. Not only did he find me the best deal, he also consistently kept me updated and managed to get a mortgage in principle the day afterwards. We then had an in person meeting to discuss the potential term time of the mortgages and he presented the options available to me, offering advice on how to move forward. Stephen is very knowledgeable, made me feel completely at ease and the process was so fast. I will certainly recommend him Moving forward. Thank you Stephen! Christopher Marsh 2023-03-30 Absolutely brilliant service once again, got my mortgage as a first time buyer with steve and now remortgaged, so easy and stress free. 10/10 would recommend. Andrew Robinson 2023-03-29 I can't thank Steve and the team enough for the guidance they have given me through the mortgage process. Steves' knowledge and professionalism have made the process of buying another house so easy. I will be using their services again in the future and I hope you'll use them too! Thanks Steve for your outstanding service! Andy Roberts 2023-03-21 Steve offered a different approach to finding a mortgage, one which was far more personable, professional and hassle free compared to our previous high-street lender. Quick to react when required, knowledgeable and courteous. EDIT > What a shame that when I later approached Steve for help with a second holiday home mortgage his attitude was generally negative and at times plain rude. We went elsewhere and had a product sourced and secured within days. Alex Russell 2023-03-20 Excellent, knowledgeable service. Highly recommended. paul cumberbirch 2023-03-17 Steve has organised mortgages for me on several occasions over the last few years. He has always done this in a timely fashion and gets me the best deals on the market that suit me at the time. Ans he's fee free!! I would highly recommend Mortgages Re mortgages to anyone looking for a mortgage.
Remortgaging in 2023 - is now the right time to fix & for how long? - Money To The Masses Remortgaging is an important decision, especially in a time of economic uncertainty. Currently, many homeowners are wondering if now is the right time to fix their mortgage and for how long. With the possibility of interest rates still rising, fixing a mortgage may seem like a good option, providing homeowners with stability and predictability in their monthly payments. However, fixing a mortgage also means missing out on potential savings if interest rates were to fall. To make a decision, you should assess your individual financial situation, including income, expenses, and long-term goals. It may also be helpful to work with amortgage advisor who can provide expert guidance on the best options for a fixed rate mortgage and for how long, taking into account the current mortgage market, conditions and future outlook for mortgage rates. Should You Renew Your Mortgage Early? You may think about renewing your mortgage early during the rate rises in order to lock in a lower interest rate before rates rise further. However, the decision to renew early should not be made lightly. While renewing early may provide short-term savings, it could also result in penalties and fees that negate those savings. You should also consider the long-term implications of renewing early, including potentially missing out on even lower rates in the near future. It is important for you to carefully evaluate your individual financial situation before making a decision on renewal date. Working with a mortgage advisor can be helpful in determining whether early renewal is the right choice for you, and if so, what terms and conditions are best suited to your needs. You need to speak with your existing lender to see what they can offer you with your current mortgage debt. The lower your LTV the better mortgage deal will be offered to you. There may be an early repayment charge penalty too so you need to check what that is, as all early repayment penalties differ in amount. Get a free mortgage review now What are the pros and cons of a tracker mortgage? Tracker mortgages are a popular type of mortgage that are tied to the Bank of England base rate. One of the main advantages of a tracker mortgage is that the interest rate will move in line with the BOE rate, providing transparency and predictability in monthly payments. Additionally, if the external rate falls, homeowners with a tracker mortgage can benefit from lower payments. However, tracker mortgages also come with some risks. If the external rate rises, homeowners could see a significant increase in their monthly payments, which may be difficult to manage. Furthermore, tracker mortgages may not always offer the most competitive interest rates, particularly if the external rate remains low for an extended period of time. Are interest rates likely to rise? What will happen to interest rates in 2023? We cannot predict what the Bank of England will do, however, some analysts were expecting rates to reach 6% by the summer. Expectations have since fallen to 4.5%, and markets are pricing in an increase of between 0.25% and 0.50% when the Bank next meets. But the bankҳ next move remains unclear. Potential Costs and Benefits of Early Mortgage Renewal Early mortgage renewal is an option that some homeowners consider in order to lock in a lower interest rate in the form of a fixed rate mortgage before their current mortgage term expires. While this can potentially result in short-term savings, it is important to consider the potential costs and benefits before making a decision. One benefit of early renewal is the ability to secure a lower interest mortgage rate now, which can result in significant savings over the life of the mortgage. Additionally, early renewal can provide peace of mind and financial stability, as homeowners will know exactly what their monthly mortgage repayments will be for the duration of the new term. However, there are also potential costs to early renewal, such as prepayment penalties and fees. Homeowners should also consider whether early renewal is the best option for their long-term financial goals and whether there are other options, such as negotiating a lower interest rate with their current lender or refinancing with a different lender. How long should I fix my mortgage for - 2, 3, 5, 10 years - or longer? The length of time for which you should have fixed rate deals for your mortgage depends on a variety of factors, including your individual financial situation and long-term goals. Generally, the longer the fixed term, the higher the interest rate, but the more stability and predictability it provides. Shorter fixed terms, such as 2 or 3 years, may offer lower interest rates, but you may face the possibility of a rate hike when the term ends. Longer fixed terms, such as 5, 10, or even longer, may provide more stability and predictability, but you may miss out on potential savings if interest rates fall during that time. It is important for you to consider your individual financial circumstances and long-term goals when deciding on the length of your fixed term. Additionally, working with a mortgage broker can provide valuable insight and guidance on the best options for fixed mortgage term length based on market conditions and future outlook. Can You overpay your mortgage? Yes, it is often possible to overpay your mortgage. Overpaying involves paying more than the required monthly payment, and can result in several benefits for homeowners. Overpaying your mortgage can help reduce the total amount of interest paid over the life of the mortgage, resulting in potential savings. Additionally, overpaying can shorten the length of the mortgage term, enabling homeowners to pay off their mortgage sooner and own their home outright. However, it is important for homeowners to check with their lender to ensure that there are no penalties or fees for overpaying, and to understand how overpayments will be applied to the mortgage balance. Some mortgage lenders may may apply overpayments directly to the principal balance, while others may apply them to the next monthly payment. Homeowners should also consider their individual financial circumstances and goals when deciding whether to overpay their mortgage, and should consult with a mortgage advisor for guidance on the best course of action. How Long Do You Have to Renew Your Mortgage? The length of time you have to renew your mortgage depends on the terms of your current mortgage agreement. In most cases, mortgage terms in the UK range from one to five years. When the term of your mortgage expires, you will need to renew your mortgage if you wish to continue borrowing from your lender. Depending on your lender, they may offer you a renewal package or you may need to negotiate new terms for your mortgage. It is important to start the renewal process several months before the end of your term to ensure that you have enough time to review your options and make an informed decision. Waiting until the last minute could result in being locked into a mortgage deals unfavourable terms or not having enough time to secure a new mortgage if needed. Homeowners should work with their lender or a mortgage advisor to determine the best course of action when it comes to renewing their mortgage. Is it a good idea to remortgage for home improvements? Remortgaging for home improvements can be a good idea in some circumstances, but it is important to carefully consider the costs and benefits before making a decision. Remortgaging can provide homeowners with access to additional funds, which can be used to finance home renovations or improvements. This can be an attractive option for homeowners who are looking to increase the value of their property or make necessary repairs. Additionally, remortgaging can provide homeowners with a lower interest rate or better mortgage terms, resulting in potential savings over the life of the mortgage. However, remortgaging can also come with additional costs, such as fees and penalties, and may result in a more fixed rate, longer mortgage term or higher monthly payments. Homeowners should also consider their individual financial circumstances and long-term goals before deciding to remortgage for home improvements. It may be helpful to work with amortgage advisor to determine whether remortgaging is the best option and to explore alternative options for financing home improvements. When it is a good idea to remortgage to pay off debt? Remortgaging to pay off debt can be a good idea in some circumstances, but it is important to carefully consider the costs and benefits before making a decision. Remortgaging can provide homeowners with access to additional funds, which can be used to pay off high-interest debt such as credit cards or personal loans. This can be an attractive option for homeowners who are struggling with debt and looking to simplify their finances and save money. Additionally, remortgaging can provide homeowners with a lower interest rate or better mortgage terms, resulting in potential savings over the life of the mortgage. However, remortgaging to pay off debt can also come with additional costs, such as fees and penalties, and may result in a longer mortgage term or higher monthly payments. Homeowners should also consider their individual financial circumstances and long-term goals before deciding to remortgage to pay off debt. It may be helpful to work with a mortgage advisor to determine whether remortgaging is the best option and to explore alternative options for managing debt. If I remortgage to release equity will my interest rate change? If youremortgage to release equity, it is possible that your interest rate may change, depending on the terms of your mortgage broker your new mortgage agreement. When you release equity through remortgaging, you are essentially borrowing additional funds against the value of your property. This may result in a higher mortgage balance, which could lead to a higher interest rate or a longer mortgage term. However, it is also possible that you may be able to secure a lower interest rate or better mortgage terms through remortgaging, depending on market conditions and your individual financial circumstances. It is important to carefully consider the costs and benefits of remortgaging to release equity, and to work with a mortgage advisor to determine the best course of action. Your advisor can help you compare different mortgage options and understand how your interest rate may be affected by releasing equity. How soon can your remortgage after buying a house? In the UK and other lenders elsewhere, there is no set time limit for when you can remortgage after buying a house. However, most lenders require a minimum ownership period before they will consider a remortgage application. This period can vary depending on the lender and the terms of your mortgage agreement, but it is typically at least six months to a year. During this time, lenders will assess your ability to make timely mortgage payments and may also consider other factors such as your credit score and financial history. It is important to keep in mind that remortgaging too soon after buying a house may not be in your best interest, as it may result in additional fees or penalties. It is important to work with a mortgage advisor to determine the best time to remortgage based on your individual financial circumstances and long-term goals. Your advisor can help you compare different mortgage options and understand any potential costs or risks associated with remortgaging. Can you remortgage early? Yes, in most cases, it is possible to remortgage early. Remortgaging early involves refinancing your mortgage before the end of your current mortgage term. This may be a good option if you are looking to secure a better interest rate or mortgage terms, or if you are looking to release equity from your property. However, it is important to carefully consider the costs and benefits before deciding to remortgage early. Depending on the terms of your current mortgage agreement, you may be subject to penalties or fees for early repayment. Additionally, remortgaging early may result in a longer mortgage term or higher monthly payments, so it is important to ensure that you can comfortably afford any changes in your monthly mortgage payments. It is also important to work with a mortgage advisor to determine whether remortgaging early is the best option for your individual financial circumstances and long-term goals. Your advisor can help you compare different mortgage options and understand any potential costs or risks associated with remortgaging. Find out more
Interest Rates Rise for 10th Time in a Row The Bank of Englandҳ decision to increase the base rate by 0.5% this week highlights the importance of receiving sound advice in this market, not only for first-time buyers but also for those who are about to reach the end of their fixed-rate tenure. Borrowers who speak with an expert may be able to get past the headlines and gain a more comprehensive understanding of their options. ༯p> The Bank of England has raisedinterest rates for the 10th time in a row, upping the base rate by 0.5% to 4%. The increase see rates hit the highest level seen since autumn 2008 as the central bank battles to bring down inflation. With consumer price inflation having eased slightly in November, down to 10.7% from 11.1% in October, there had been speculation that a rise could have been smaller. However, the Monetary Policy Committee voted 7 to 2 for the 0.5% rise. The BoE has an inflation target of 2%. Later today the European Central Bank is expected toincrease rates across the EU by 0.5% while the US Federal Reserve lifted its rates by 0.25% last night. ༯p> Speak to an Expert Advisor Get in Touch Always Seek Professional Advice For people with existing mortgages and those trying to climb on the property ladder, the cost of living problem offers a difficult position.First-time buyers with small down payments might postpone their plans until they can more easily afford to obtain a mortgage. Although new buyers are essential to keeping the market afloat, it seems sense for them to exercise prudence when there is such a dearth of affordable property. Due to fluctuating interest rates andhome prices, borrowers with current loans may find it difficult to make overpayments and worry about their capacity to continue making payments. Before entering into any agreement, it is advisable to seek guidance because the best deal for each borrower will depend on their unique situation. ༯p> Speak to Us
Navigating the Mortgage Market Navigating the mortgage market can be a daunting task, especially if you are a first-time homebuyer. With so many mortgage types, lenders, and rates available, it can be overwhelming to decide on the best option for you. We will provide you with expert tips and advice on how to navigate the mortgage market in Doncaster. Whether you are a first-time buyer or looking toremortgage, our goal is to provide you with mortgage advice to help you make an informed decision and save money in the process. So, you have found a newhome, itҳ perfect! You canҴ wait to start the process of securing the property and going through the financial process. Once you have put in an offer to the estate agents, you then need to look at getting a decision in principle to secure the property and get the ball rolling on the purchase. Wesearch thousands of mortgage products from mortgage lenders and offer fee free mortgage solutions to get the mortgage deal right for you. Our help and support is with you throughout the whole process so once you have an offer on a property we can take care of all of your mortgage and associated needs. Understanding the Mortgage Process Buying a home is a big decision, and understanding the mortgage process is a crucial step in achieving your dream. At MortgagesRemortgages, we pride ourselves on offering a professional yet friendly service that guides you through every step of the way. Initial Assessment The first step in the mortgage process is an initial assessment, basically a fact finding mission. This is where our mortgage advisor will gather all your personal information including full names, address history, income details, expenses and credit history, so we can determine how much you can borrow and what type of mortgage is best for you. Compare Mortgage Products Once weҶe assessed your affordability andmortgage needs, weҬl work with you to compare mortgage products and rates. WeҬl explain the different types of mortgages available, including fixed-rate, tracker, and variablerate mortgages. WeҬl help you understand the pros and cons of each and help you decide which one is right for you, whether you aremoving home, remortgaging or purchasing a buy to let property. Additional Fees WeҬl also help you understand any additional fees and charges associated with your mortgage and the buying process, so you can budget accordingly. These fees can include valuation fees, arrangement fees, and solicitor fees. WeҬl explain what each fee covers and ensure there are no surprises down the line. Decision in Principle Once our mortgage advisor has undertaken an initial assessment, compared the mortgage products and discussed any additional/associated fees a lender is chosen and a Decision In Principle (DIP) will be applied for. This is where the lender will approve a customerҳ mortgage subject to a mortgage valuation and confirmation of income declared. The Decision In Principle can sometimes be referred to as an Agreement In Principle (AIP). Most estate agents will want to see a copy of a decision in principle prior to accepting an offer on a property, some may even ask to see your decision in principle prior to letting a customer view a property. The Application Process Once youҶe found the right property and your offer has been accepted. You are then in a position to convert your decision in principle (DIP) to a full mortgage application. We will help you complete the full application process, ensuring you have all the necessary documentation and paperwork. WeҬl liaise with the lender on your behalf, ensuring a smooth and stress-free experience. AtMortgages Remortgages, weҲe dedicated to making the mortgage process as straightforward as possible. WeҲe always here to answer your questions and provide you with expertmortgage advice, so you can make informed decisions about your mortgage. So, whether youҲe a firsttime buyer, home mover or looking to remortgage, our team is here to help you achieve your homeownership goals and get that dream home. FEE FREE MORTGAGE ADVISORS Speak to an Expert Advisor Get in Touch Types of Mortgages Available In the UK, there are several types of mortgages available, each with its own set of features and benefits. Hereҳ a breakdown of the most common types of mortgages: Fixed-Rate Mortgages: This type of mortgage offers a fixedinterest rate for a set period, typically 2-5 years. This means your monthly payments will stay the same during the fixed period, regardless of any changes tointerest rates. Fixed-rate mortgages provide stability and predictability, making budgeting easier. Tracker Mortgages: Tracker mortgages have an interest rate that tracks the Bank of Englandҳ base rate. This means your monthly payments can go up or down depending on any changes to the base rate. Tracker mortgages usually have a set period, typically 2-5 years, during which the interest rate tracks the base rate. VariableRate Mortgages: This type of mortgage has an interest rate that can go up or down at any time. This means your monthly payments can also go up or down.Variable rate mortgages usually have no fixed period, meaning the interest rate can change at any time. Discounted Mortgages: This type of mortgage offers a discount off the lenderҳ standard variable rate for a set period, typically 2-5 years. This means your monthly payments will be lower during the discounted period, but they can go up or down depending on any changes to the lenderҳ standard variable rate. Offset Mortgages: With an offset mortgage, you can use your savings to reduce the amount of interest youpay on your mortgage. Your savings are linked to your mortgage, and the interest on your savings is used to offset the interest on your mortgage. This can result in lower monthlypayments or a shorter mortgage term. Buy-to-Let Mortgages: This type of mortgage is designed for those who want to buy a property to rent out.Buy-to-let mortgages usually require a larger deposit, typically 25% and have higher interest rates than residential mortgages. Itҳ important to remember that each type of mortgage has its own set of advantages and disadvantages, and what works for one person may not work for another. Itҳ always best to speak to amortgage advisor to determine which type of mortgage is right for you. Speak to Us FEE FREE MORTGAGE ADVICE CHAT NOW Remortgage Advice Factors to Consider When Choosing a Mortgage Taking out a mortgage is a significant financial commitment, and there are several important factors you need to consider before making a decision. Here are some key factors to keep in mind: Affordability: One of the most important factors to consider when taking out a mortgage is affordability. You need to ensure you can comfortably afford the monthly payments, taking into account your income, expenses, and any other financial commitments. Deposit: The amount of deposit you have can affect the interest rate you receive and the amount you can borrow. Generally, the larger the deposit, the lower the interest rate, and the more you can borrow. Interest Rates: The interest rate you receive will determine how much you pay back over the life of the mortgage. Fixed-rate mortgages offer stability and predictability, while variable rate mortgages can go up or down, affecting your monthly payments. Mortgage Term: The length of the mortgage term will determine how long you have to pay back the loan. A longer mortgage term can result in lower monthly payments, but youҬl pay more interest over the life of the mortgage. Fees and Charges: There are several fees and charges associated with taking out a mortgage, including arrangement fees, valuation fees, and legal fees. Many mortgage brokers and estate agents charge additional broker fees. Mortgage Remortgages will never charge you a fee. Itҳ important to understand these fees and factor them into your budget. Early Repayment Charges: Some mortgages come with early repayment charges if you pay off the loan early. Itҳ important to understand these charges and factor them into your decision-making process. Flexibility: Some mortgages offer more flexibility than others, allowing you to overpay or underpay on your mortgage or take payment holidays. Itҳ important to understand the flexibility of themortgage and whether it suits your needs. Taking out a mortgage is a significant decision, and itҳ essential to consider all the factors before making a commitment. Itҳ always best to speak to amortgage advisor who can guide you through the process and help you make an informed decision. EXPERT MORTGAGE ADVICE Get in Touch Working with a Mortgage Broker Working with amortgage advisor can be a valuable asset when looking for a mortgage in Doncaster. Amortgage advisor can help you understand the mortgage market and provide you with expert advice on the different types of mortgages available. At ourmortgage company in Doncaster, we pride ourselves on offering a professional and friendly service that puts your needs first. Our team of experienced mortgage advisors can help you navigate the mortgage market, whether youҲe afirst-time buyer, home mover or just looking to remortgage. One of the biggest benefits of working with amortgage advisor is access to a wider range of mortgages. We have access to a range of lenders and products, some of which may not be available on the high street. This means we can help you find amortgage that suits your individual needs and circumstances. Ourmortgage advisors will work with you to understand your financial situation and assess your affordability. This will help us determine how much you can borrow and what type of mortgage is right for you. WeҬl explain the different types of mortgages available, including fixed-rate, variable rate, and tracker mortgages, and help you decide which one is right for you. WeҬl also help you understand the fees and charges associated with taking out a mortgage, including arrangement fees, valuation fees, and legal fees. Our team will ensure you have a clear understanding of the costs involved and help you budget accordingly. At our mortgage company in Doncaster, we understand that the mortgage process can be daunting, but our team is here to guide you through every step of the way. WeҬl help you complete the mortgage application and liaise with the lender on your behalf, ensuring a smooth and stress-free experience. In conclusion, working with amortgage advisor can provide you with valuable insight and advice when looking for a mortgage in Doncaster. At our mortgage company, we offer a professional and friendly service that puts your needs first, helping you find the right mortgage to suit your individual needs and circumstances. Speak to Us FEE FREE MORTGAGE ADVICE CHAT NOW Get in Touch Tips for Getting Approved for a Mortgage Getting approved for a mortgage can be a complex and challenging process, especially if youҲe afirst-time buyer. However, there are several things you can do to improve your chances of getting approved. Here are some tips to keep in mind: Improve your Credit Score: Your credit score is one of the most critical factors in getting approved for a mortgage. Lenders use it to assess your creditworthiness and ability to repay the loan. Make sure you have a good credit score by paying off any outstanding debts and avoiding late payments. Save for a Deposit: The larger the deposit, the better your chances of getting approved for a mortgage. Aim to save at least 10% of the property value, but the more you can save, the better. Reduce your Debt-to-Income Ratio: Your debt-to-income ratio is the amount of debt you have compared to your income. Lenders use it to assess your ability to repay the loan. Try to reduce your debt-to-income ratio by paying off any outstanding debts. Provide Accurate Information: Itҳ essential to provide accurate and complete information on your mortgage application. This includes your income, expenses, and any outstanding debts. Failing to provide accurate information can result in your application being rejected. Get a Mortgage Agreement in Principle: A Mortgage Agreement in Principle (AIP) is a statement from a lender confirming how much theyҲe willing to lend you. Having an AIP can show sellers that youҲe a seriousbuyer and improve your chances of getting your offer accepted. Use aMortgage Advisor: A mortgage advisor can provide you with valuable insight and advice when applying for a mortgage. They can help you find the right mortgage to suit your individual needs and circumstances and guide you through the application process. Getting approved for a mortgage can be a complex and challenging process, but with these tips, you can improve your chances of success. Itҳ essential to do your research, plan ahead, and work with professionals to ensure a smooth and stress-free experience. GET A DECISION IN PRINCIPLE CHAT NOW Common Mortgage Mistakes to Avoid When it comes to getting a mortgage, there are several common mistakes that people make, which can lead to costly consequences. Here are some mistakes to avoid: Overstretching Yourself: One of the most common mistakes is borrowing more than you can afford. Make sure you calculate your affordability carefully, taking into account your income, expenses, and any other financial commitments. Not Shopping Around: Failing to shop around can mean you miss out on the best mortgage deals. Make sure you compare mortgage products andrates from different lenders to find the best deal for you. Not Checking Your Credit Score: Your credit score is crucial when applying for a mortgage. Failing to check it before applying can lead to rejected applications and damage to your credit rating. Not Saving Enough for a Deposit: The larger the deposit, the better your chances of getting approved for a mortgage. Make sure you save enough for a deposit and factor in other costs, such as legal fees andstamp duty. Not Reading the Terms and Conditions: Failing to read the terms and conditions of a mortgage can lead to unexpected fees and charges. Make sure you read everything carefully and ask questions if youҲe unsure about anything. Taking on Additional Debt: Taking on additional debt, such as credit cards or personal loans, can affect your credit score and your ability to repay the mortgage. Itҳ essential to avoid taking on additional debt when applying for a mortgage. Avoiding these common mortgage mistakes can help you secure the best mortgage deal for you and ensure a stress-free experience. Itҳ essential to do your research, plan ahead, and work with professionals to avoid costly mistakes. Get in Touch SAVE MONEY ON YOUR MORTGAGE CHAT NOW Save Money on your Mortgage How to Save Money on Your Mortgage Saving money on your mortgage can make a significant difference to your monthly outgoings and overall finances. Here are some tips to help you save money on your mortgage: Overpay on Your Mortgage: Overpaying on your mortgage can help you reduce the overall interest you pay and shorten the length of the mortgage term. Check with your lender whether there are any penalties for overpaying. Switch to a Better Deal: If youҲe on a variablerate mortgage, you could save money by switching to a fixed-rate deal. Make sure you compare mortgage products andrates from different lenders to find the best deal for you. Make Lump Sum Payments: If you receive a lump sum of money, such as a bonus or inheritance, consider using it to make a lump sum payment on your mortgage. This can help you reduce the overall interest you pay and shorten the length of the mortgage term. Consider Remortgaging:Remortgaging can help you save money by switching to a better deal or lowering your monthly payments. Make sure you consider any fees and charges associated with remortgaging before making a decision. Use an Offset Mortgage: An offset mortgage allows you to link your savings to your mortgage, reducing the overall interest you pay. The savings act as an offset against your mortgage, meaning you only pay interest on the difference. Make Sure YouҲe on the Right Repayment Plan: Make sure youҲe on the right repayment plan for your circumstances. For example, aninterest-only mortgage may be suitable for some people, but itҳ not suitable for everyone. Saving money on your mortgage can help you reduce your overall expenses and improve your financial situation. Itҳ essential to do your research, plan ahead, andwork with professionals to find the best mortgage deal for you. TRUSTWORTHY MORTGAGE ADVICE LETS TALK Making the Right Mortgage Decision for You Making the right mortgage decision for you can be a complex and daunting process. However, by speaking to an experienced team ofmortgage advisors in a mortgage consultation, you can find a home mortgage that suits your individual needs and circumstances. At Mortgages Remortgages, we pride ourselves on offering fee free mortgage and protection advice. Our trustedmortgage advisors can help you understand the different types of mortgages available and help guide you through the entire application process, When trying to chose the right mortgage, itҳ essential to consider your individual needs and circumstances. This includes your income, expenses, savings, and any outstanding debts. Our team will work with you to assess your affordability and determine how much you can borrow. DonҴ worry, we will help you navigate the process and ensure it is smooth and stress-free as possible! WeҬl also help you understand the different types of mortgages available, including fixed-rate, variable rate, and tracker mortgages. WeҬl explain the pros and cons of each and help you decide which one is right for you. At Mortgages Remortgages, we understand that themortgage process can be complex and overwhelming, but our independent mortgage team is here to provide you with trustworthy mortgage advice WeҬl help you understand any fees and charges associated with taking out a mortgage and ensure you have a clear understanding of the costs involved. In conclusion, making the right mortgage decision for you is crucial in achieving your homeownership goals. At Mortgages Remortgages, we offer a friendly and advisory service that puts your needs first, helping you find the right mortgage to suit your individual needs and circumstances. So, whether youҲe looking as afirst-time buyer, right to buy or remortgage, our mortgages advisor in Doncaster is here to help you make the right mortgage decision. We are authorised and regulated by the financial conduct authority, registered in England and offer dedicatedmortgage advice Doncaster. 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