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  DEBT CONSOLIDATION  REMORTGAGES AND EQUITY RELEASE 

remortgage

                     
 CONSOLIDATION OF DEBTS AND REMORTGAGE

Remortgage - This is where a borrower currently has a mortgage outstanding and changes lenders, this is done to achieve better terms or rate of interest offered than that of the current lender. When remortgaging a borrower may also increase the amount of borrowing for home improvements or additional capital raising, subject to the new lenders terms and conditions.
When considering a remortgage a borrower should first establish if there are any redemption penalties on the existing mortgage.
  >Remortgage Advantages<

Secured debt consolidation loans are ideal in many circumstances, for example: A person may want the lowest possible interest rate, or their credit history is poor, or they want to borrow a larger amount or any combination of these. If your debts are becoming difficult to manage you could consider a secured debt consoildation loan as a solution. You should  be able to significantly reduce your various monthly outgoings to one easily affordable payment; you should, of course, consider that this might mean paying more interest in the long run. Fill in the featured mortgage broker's enquiry form and they will do their utmost to find the most suitable loan for you according to your requirements and your circumstances.

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 ADVANTAGES OF A REMORTGAGE AND DEBT CONSOLIDATION

It is not necessary to stay with a mortgage for life, until everything has been repaid. The remortgage business is now a big industry, and it is advisable to examine the other options available to you because you may be able to improve your financial situation. There are a number of reasons for deciding to change to another lender.


(a) Obtain a more acceptable deal: You need to check that your current lender offers the best deal. The mortgage industry is highly competitive and lenders are anxious to attract new business by offering attractive financial terms to those who change over to them. You can obtain a lower interest rate and lower monthly repayments by getting a remortgage, and that could benefit you because you could get cash back, free or cheap home insurance, plus other special offers.


(b) Fixed interest rate: Although interest rates are at a historic low, and taking into account some of the recent rises, it is anticipated that interest rates are bound to rise sometime in the near future and possibly for a number of years to come – and this will inevitably lead to an increase in the cost of acquiring a mortgage. It makes sense for some people to replace their variable mortgage rate with one that is fixed for a number of years, and that way you can ensure that your repayments will remain the same for the duration of the length of the new mortgage.

(c) Equity release: The cost of buying a house has soared for a number of years, and many people find themselves in the fortunate position of having a substantial amount of equity in their property. Acquiring a remortgage can settle your current mortgage debt, and enable you to finance home improvements, a new car or caravan, or any other particular item. You will often find that taking out a remortgage is a better arrangement than applying for a personal loan.

(d) Consolidation of debts. The public, these days, are in debt as never encountered in the past, with fairly cheap credit that can encourage a reckless attitude to ‘spend now’. Of course the borrowing has to be repaid and credit cards are not the best way of acquiring long term credit. Taking out a remortgage big enough to handle your mortgage and other monetary obligations makes sense because it means that you only have a single monthly repayment and that is often less than your current total repayments

(e) Change to a different type of mortgage: People's financial situations alter over time, and what might have been a suitable mortgage some time ago may not be applicable to your current circumstances. You are presented with choices such as a capital repayment mortgage or an interest-only mortgage, or you may possibly want to examine some of the other products such as, flexible payments, discounted interest rates, etc – a remortgage can give you the opportunity of reorganising your finances


Although the above information may appear to be the solution to your current financial problems, it is imperative that you seek the assistance of a remortgage specialist and someone that is registered with the FSA before you make any decisions regarding remortgaging

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU  DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

 

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