If you're an existing homeowner, you've likely thought about the idea of remortgaging at some point.
This can serve various purposes, making it a versatile tool in your home ownership journey. Whether you wish to secure a lower monthly payment or require additional funds for home improvements, it might be the solution you seek.
At Ingrid Cairns & Associates, we’re committed to helping you in finding the ideal mortgage that fits with your needs and preferences. We consider factors like your time constraints, your budget, risk, and lifestyle to find a solution that suits you perfectly. Our proactive approach ensures a smooth mortgage application process, coupled with personalised and efficient service.
One common scenario that prompts homeowners to explore remortgaging is when the fixed rate they currently have with their lender is about to end. Alternatively, you may need to raise funds for significant costs such as a wedding or university fees. In such cases, a remortgage can offer a way of raising the funds needed.
Before we search for a more competitive deal from another lender, we look at the best product your current lender can offer. This assessment allows us to determine whether switching to another lender or staying with your current one is the right decision. We factor in all applicable fees. These can include broker fees, lender arrangement fees, valuation fees, and legal fees, to provide a full cost-benefit analysis.
It’s worth noting that many lenders offer incentives such as free valuations and legal fees for remortgages, adding to the appeal of this option. Following a full review of the market, we will present you with different options and recommend the one that best meets your needs and goals.
A remortgage can open doors to financial flexibility, allowing you to make the most of your property investment. Whether it’s reducing your monthly expenses, funding important life events, or enhancing your home, we’re here to guide you every step of the way.
Unlock the opportunities that remortgaging offers with Ingrid Cairns & Associates. Contact us today to embark on your journey towards greater financial freedom.
