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I was looking for a buy to let product for several properties, and as with any busy businessman I needed to get the right deal sorted quickly. From my initial conversation with PBM Finance through to completion, I found the team very efficient with up to date market information. It made a refreshing change to be able to deal with someone outside of “normal” business hours which helped to speed up the whole process. I would certainly use PBM again in the future.
N Ashraf Manchester
Flexible Remortgages
When these mortgages first came to the UK there were no fixed or discounted rate flexible deals available. Borrowers simply had to choose a variable rate, and the actual rates on offer were not anywhere as competitive as they are today. Alongside this, Flexible Remortgages are now mainly being viewed as suitable for people who have experience of being homeowners, not to point out managing their money, rather than first time buyers. However, as these mortgages have evolved, the benefits to the borrowers have increased and the first time buyers could a lot worse than thinking about taking out a flexible mortgage.
Flexible Remortgages are designed to give you better control over your finances, but you need to be cautious as there are different types of flexibility. Most flexible mortgages should allow you to overpay on your monthly payments, borrow back money from the overpayments, underpay your mortgage payments and also take payment holidays. The most advisable thing to do with a flexible mortgage is to make overpayments against it; this will help to pay the debt off quicker. You must also ensure but any money overpaid is still available for you to use if you need it.
A genuine flexible remortgage will allow you to make underpayments. This facility may be useful when you have periods throughout your mortgage when you have additional expenditure. Most lenders will insist that you have previously made overpayments against your mortgage before they will allow you to make any underpayments.
Why Use Us?
- No Obligation quotes to ensure you get the best deal
- Qualified and Friendly Advisors here to help you
- We Aim to Respond to Your Query within 25 minutes
- Adverse credit, CCJ, IVA or missed mortgage payments? We can still help you find the best deal.
- Masses of Experience
I would just like to say a big thank you to Lee who has recently dealt with my mortgage application. I was kept up to date all the way through the process which I found very helpful. As this was my first experience of getting a mortgage, I appreciated his patience and how well he explained the options to me. I would not hesitate to get back in touch with PBM Finance in the future and have already recommended them to a friend.
J Oliver – Whitley Bay
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Although your bank may seem to be offering you a good deal on a loan, it is guaranteed that there is a better offer elsewhere. These lending companies all want your business and are prepared to offer a better deal than the next lender to get your signature on their contract.
This is why we exist. We are here to help you get the best deal on a remortgage. This will enable you to get more from the equity built up in your home and at a lower rate. Just to refresh your memory, 'equity' is calculated from the difference between the value of your home and your outstanding mortgage. This amount can be converted in to cash known as a secured homeowner loan, also known as a remortgage. This means that the loan is secured against your home.
A remortgage is typically sought after for home improvements, such as a new kitchen, conservatory, bathroom etc. The money can also be used for an extension to the home. All these options can increase the value of your home and in turn could reduce your monthly repayments.
Remortgaging is also known as mortgage-switching, where by you pay off your existing mortgage by applying for another loan at a cheaper rate. Obviously calculations would need to be made in order to work out if this could save you money, otherwise there is no reason to choose this option.
With so many remortgaging options available it could be quite time consuming just looking for the cheapest and right mortgage for you and your circumstances. Here at Remortgages.com we have a team of specialists who do the looking for you, all you need to do is fill out our enquiry form and we will do the rest.
We realise what a painstaking process remortgaging might seem, but together with our help we'll make the procedure as hassle free as possible. Fifty percent of all mortgage business last year wasn't people taking out new mortgages to by a home, but people wanting to remortgage. Whether you want to remortgage to switch your mortgage to someone/where else or if you need that little bit of extra cash, there are an abundance of lenders ready to give you their money.
