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.
Frequently
asked questions
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’.
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.
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.
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
SM
Sian Mitchell
Due to Covid, the NHS are experiencing huge delays and people are struggling to get the medical care and attention they need. The substantial delays for referrals, treatments and routine/planned surgeries are putting people at risk who are not getting the medical attention they need in time resulting in anxiety, stress, prolonged pain and in some cases the delays are preventing people catching things early enough to treat.
SM
Sian Mitchell
If you’re nearing the end of your fixed-rate then looking for a new mortgage deal is probably already on your to-do list this month and if you’re already on your Standard Variable Rate – then it definitely should be!
But nearing the end of your current deal isn’t the only reason you might consider remortgaging. After helping clients remortgage for nearly 40 years, we know there are a whole host of reasons why remortgaging could be the best financial move – so here are our top 10 Reasons Why You Might Remortgage.
SM
Sian Mitchell
Buying, selling and moving home can be stressful enough, without the added frustration of delays with your mortgage application!
There are a few factors that can affect how long your mortgage application takes – like which lender you’re applying with or how complex your situation is. However, one delay that you can avoid, is missing or incorrect mortgage application documents requested by the lender.
SM
Sian Mitchell
Overall property has always represented a good long-term investment opportunity, and is still one of the four most common types of investments, alongside cash, bonds and shares. Resilient and a largely stable investment market, historical evidence shows that property has the power to weather huge events such as the global financial crisis and the SARS outbreak, coming out of the other side stronger.
SM
Sian Mitchell
Never worked with a mortgage broker before and wondering whether you really need one? We explain what a mortgage broker is and how a good mortgage advisor can save you time, money, and stress!
SM
Sian Mitchell
Due to Covid, the NHS are experiencing huge delays and people are struggling to get the medical care and attention they need. The substantial delays for referrals, treatments and routine/planned surgeries are putting people at risk who are not getting the medical attention they need in time resulting in anxiety, stress, prolonged pain and in some cases the delays are preventing people catching things early enough to treat.
