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Remortgage Advice in Nottingham

Financial peace of mind

Remortgage Advice

for homeowners in Nottingham

We’ve been helping clients remortgage their properties for nearly 40 years. Experienced independent Nottingham mortgage brokers, our team are here to help you find the best remortgage deal whether you’re looking to release equity, remove a name from the mortgage, or simply secure a better rate.

As an independent mortgage broker, we work for you. Castlegate Financial Services are not tied to any banks or building societies so you can have peace of mind that we always have your best interests at heart. By your side every step of the way, we will work to ensure your remortgage application is not any other stressful pull on your already stretched time.

Remortgage Advice

for homeowners in Nottingham

Remortgaging your property simply means changing your current mortgage and typically happens when you have come to the end of the mortgage term, want to release equity, or have a change of circumstances that requires a change to the mortgage agreement.

If you’re nearing the end of your mortgage term, we always recommend speaking to an independent mortgage broker, like ourselves, around 6 months before the end of your term. This gives you and us plenty of time to secure the best possible deal and get ahead of the game before the end of your current mortgage term.

As an independent mortgage broker, we are able to search thousands of remortgage deals, to find you the best product for your circumstances, after working with you to understand your goals and motivation for remortgaging.

Get to know you and your goals

Assess your affordability

Apply for an agreement in principle

Help you negotiate your offer on your first home

Reassess your mortgage offer against new rates before submitting your application

Submit your application

Support you with insurance and protection requirements

Help secure you the best rate when your mortgage is next up for review

Get to know you and your goals

Assess your affordability

Compare the market

Help you negotiate your offer on your first home

Reassess your mortgage offer against new rates before submitting your application

Submit your application

Support you with insurance and protection requirements

Help secure you the best rate when your mortgage is next up for review

After working with you to understand your financial position and circumstances, we will assess your affordability and then search the whole market to find the best suited deal for you, and your goals. Once we have identified the best remortgage deal, we will apply to the lender on your behalf and handle the entire application process for you. If your current lender is still the best suited deal for your goals, then we apply for a product transfer on your behalf.

We then submit your application to the lender and handle everything for you. We deal with the mortgage lender, estate agents, solicitors , surveyors and any life insurance providers you may need to ensure that the remortgage process is handled as efficiently as possible.

With Castlegate Financial Services by your side, you have complete peace of mind that everything is in hand to make your remortgage as stress free as possible.

Castlegate Financial Services

Giving you financial peace of mind

Speak to our

fabulous brokers

For help and advice with your remortgage, speak to our fabulous brokers today.

Speak to our advisors

Frequently

asked questions

What is a remortgage?

A remortgage is simply the process of changing your current mortgage. Most people will take a mortgage product for a set term e.g. a 2 year fixed rate. After the term has passed, the rate will expire and in most cases, rates and repayments will increase. That’s why it’s a good time to speak to a mortgage broker who can help you re-assess the market, to see if there are better rates or lenders available, and ‘re-mortgage’.

When should I re-mortgage?

Most people re-mortgage to secure a lower rate or better deal once their tie in period ends. You may also consider remortgaging if you are looking to change your current mortgage in some way such as changing the names on the mortgage or to release equity from the property.

Can I remortgage early?

You can remortgage at any time. However, you should only remortgage when there’s a positive advantage in moving mortgages. Some lenders may charge early repayment fee’s if moving earlier than your fixed term or tie in period, so it is always best to speak to an expert mortgage broker who can assess your circumstances and advise on the most financially beneficial way forward.

Why should I remortgage?

There are many reasons why you might consider remortgaging your property. Generally, most people change mortgages when; interest rates are lower than what you’re currently paying; you have built up enough equity in your property; you need to change the mortgage in some way such as removing a name from the mortgage; you’re nearing the end of a fixed rate mortgage deal or when the benefits of remortgaging outweigh the costs. To understand if moving mortgages is right for you and your current situation, speak to one of our brokers who will be able to advise you on all your options.

Remortgage advice & guides

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Castlegate Financial Services Limited is authorised and regulated by the Financial Conduct Authority.
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