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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
Self Employed Mortgage
Traditionally it is a lot harder for a self employed person to obtain a mortgage than it is for an employed person. This is because a mortgage lender generally prefers to see a regular income that is guaranteed by a form of employment. Although in recent years this has changed.
While there are an increasing amount of mortgage lenders who deal with mainly the self employed, there are now a lot more lenders who are considering doing the same.
If an individual has been involved with a specific industry for a number of years this would be a huge advantage to them.
Mortgage Lenders are mainly interested in noticing how employable an individual is. In other words how much regular work the individual has. For example a plumber is more than likely to have more work than a flourishing film director. This is because they are able to show a regular, weekly income, whereas a film director may only have a few months worth of work now and then which could look more patchy.
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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Remortgages
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Mortgages
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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.
