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Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage


If you think that you're paying too much for your current mortgage, then you probably are and you're not alone! There are many borrowers paying their lenders standard variable rate (SVR) which will almost certainly not be the best deal they can offer.

If youre looking to replace your existing mortgage for one with lower repayments, why not let us find the best mortgage for your needs. Remember, there is no obligation!
It is not only important to compare your existing mortgage to the current rate offered by your existing lender.

You should also compare mortgage rates across the market. The mortgage monkey can search thousands of mortgages depending on your mortgage requirements. We therefore act on your behalf to find you the best deal.

Why switch your mortgage?
In todays competitive market, many borrowers choose to switch their mortgage every few years in order to take advantage of the new rates on offer.

Want to raise additional capital?

There's never been a better time to raise money through a re-mortgage. Lenders are competing for your custom and there are some great deals about! Whether it's for home improvements, a luxury holiday, new car or a holiday home - maybe even capital to start your dream business at last - re-mortgaging can allow you to release the equity that has accumulated over the years.

Equity is the difference between your current mortgage and your property value. The extra funds could be enough to enable you to achieve something you otherwise did not think was possible. Whatever the reason, remortgaging may be right for you. On the other hand you may have bought your dream first and are thinking about financing this retrospectively. Many people re-mortgage as they are looking for Debt Consolidation.

Whether you're interested in student loan consolidation, youve overspent on Christmas shopping or have just been treating yourself to the finer things in life, sometimes consolidating debt by re-mortgaging is the answer for you. This will often depend upon your personal circumstances and a free initial consultation from one of our mortgage consultants can help.

How often should you review your mortgage?
You might have agreed to remain with your current lender for a minimum period of time; this is often the situation with Fixed, Tracker, Discounted or Capped rate mortgage schemes. In general we recommend that you review your mortgage finance every twelve months. If you are currently paying a standard variable rate it would be wise to review your mortgage right now!

How does it work?
A re-mortgage is essentially no different to a normal mortgage, with one crucial difference - you are not buying a house. All you are essentially doing is taking out a new mortgage to replace the old one, while shifting your debt from one lender to another.

Re-mortgaging isnt nearly as much hassle as most people think particularly if you use of our online enquiry form. Then one of our dedicated mortgage advisors looks after your re-mortgage for you making it all less effort than you first imagined! With the amount of deals now available - and a host of fee-free deals on offer - the opportunities are there.Whatever your reasons, re-mortgaging your property is one of the most efficient ways to borrow money ... and it's easier than it's ever been.


Think carefully before securing debts against your home.Your home may be repossessed if you do not keep up repayments on your mortgage.

By consolidating your debts you may pay more back over the longer term.

Early repayment charges may apply if a mortgage is paid off early or before the end of a designated rate.


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