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Remortgage Broker in Ipswich2021-04-19T14:14:26+01:00

Top Remortgage Broker in Ipswich

Unbiased, stress-free remortgage advice from the top remortgage broker in Ipswich

    Looking for free remortgage advice in Ipswich? Get in touch with Fees Free Mortgages

    Top Remortgage Broker Ipswich

    Unbiased, stress-free remortgage advice from the top remortgage broker in Ipswich

      Looking for free remortgage advice in Ipswich? Get in touch with Fees Free Mortgages

      Don’t take our word for it…

      We are a Top Rated 2021 vouchedfor remortgage advisor in Ipswich, checked more thoroughly than any other.

      Check our reviews

      vouchedfor Reviews

      • Martin Bright could not have done anything better, he listened to my needs, acted upon them promptly to get me the best and the right deal.

      • Martin was a tremendous help with mortgage and life insurance advice. His knowledge and expert advice was a real guiding light throughout the complexities of navigating both these areas for the very first time. We wouldn’t hesitate to recommend him. He is personable, conscientious and everything you could hope for in an advisor.

      Vouched For Martin Bright Fees Free Mortgages - Remortgage Broker Ipswich
      Mortgage Broker Essex & Suffolk
      Certificate in Mortgage Advice and Practice (CeMAP) - Fees Free Mortgages

      Remortgage Broker in Ipswich – Our Tailored Approach

      The difference between Fees Free Mortgages and the ‘big boys’ is an independent service tailored to your actual situation. Click the button below to complete our Remortgage questionnaire. These initial questions give us a good overview and the end result will be a call to introduce ourselves, finish off the ‘fact find’ and then we’ll go and personally research your best options.

      Schedule an Appointment Today

      Save Money

      Remaining on the same deal for the full term of your loan could see you losing out on the opportunity to reduce the total amount paid back, in some cases leading to significant savings.

      • We guide you through the entire remortgaging journey, so that you can secure a lower interest rate on your mortgage, saving you money.

      • Mortgage lenders tend to offer better rates as the loan-to-value gets lower, as they view the loan as less risky. This can translate into a significant saving on your mortgage repayments.

      Remortgage Broker Ipswich

      Avoid Moving Home

      It can be cheaper and more convenient to adapt or add an extension to your existing home, paid for by remortgaging or a further advance, than to move home.

      • We’re an independent remortgage broker, which means we’re not tied to any lenders.

      • We look at the whole market to deliver the best remortgage rates, allowing you to find the very best deal.

      Remortgage Broker in Ipswich

      Suit Changing Circumstances

      If your financial situation has changed and you now need a mortgage that can accommodate, remortgaging can get you a deal that better fits your lifestyle.

      • Fees Free Mortgages can help you secure the mortgage to suits you now, not when you bought your home.

      • We take your new circumstances into account to find the best remortgage deal that suits you best.

      Remortgage Broker Ipswich, Suffolk

      Raise Money

      Higher income or a rise in your property’s value means you could increase your mortgage to help pay for major outgoings, rather than borrowing separately, and in some cases more expensively, from other sources.

      • If you’re remortgaging to raise money, the last thing you want is to pay any remortgaging fees for arrangement upfront.

      • We talk you through the available options and work out which remortgage deal will be cheapest overall, completely fees free!

      Remortgage Broker in Ipswich & Suffolk

      Consolidate Your Debts

      Remortgaging can allow you to release some of the equity you hold in your home and consolidate other debts, which can attract higher rates of interest than that of your mortgage.

      • At Fees Free Mortgages, we help people save money in interest or reduce their monthly outgoings drastically, with our fees free remortgage advice.

      • The impact of consolidating debt can really change the lives of those who have gotten into increased levels of debt and are struggling to keep up.

      Remortgage Broker Ipswich

      Fees Free Mortgages Services

      We love providing whole of market mortgage advice in Colchester and believe that any interaction with us will be a positive experience because we do our best to help you achieve all your mortgage goals!

      First Time
      Buyers

      We love helping you get on to the property ladder. We’ll oversee your first purchase from start to finish!

      Buy-to-Let

      Looking to jump-start your investments with a buy-to-let mortgage? We will find you the best deal!

      Remortgages
      .

      We’ll review your options with your existing lender and compare them against the market for you. 

      95% Mortgages

      Whether you’re an experienced mover, or a first-time buyer, take advantage of the 95% mortgage guarantee scheme today!

      Help to
      Buy

      Need Help to Buy advice? Our straightforward team of Help to Buy experts will put you in the picture.

      Self-Employed
      Mortgages

      Are you self-employed and looking for an excellent mortgage deal? Our simple process will explain it all to you, and give you peace of mind.

      A professional, calm, honest and genuine approach making us the top Remortgage Broker in Ipswich.

      If you are considering remortgaging, make sure to contact our fees free independent remortgages advisors in Ipswich, who will consider all your circumstances as well as available deals before offering impartial advice about which remortgage options are right for you.

      How it works

      Remortgages in 5 easy steps

      Your Fees Free Remortgages Broker in Ipswich won’t be paid a commission based on the size of your loan, or the choice of lender. So their only motivation is to get you the most suitable mortgage deal.

      Free Mortgage Broker Suffolk & Essex

      Why Fees Free Mortgages?

      We’ll find the best mortgage deal that suits you and give you expert financial advice while taking care of your whole mortgage application. Best of all, we’re FEES FREE! Putting the Free in Fees Free Mortgages.

      Fees
      Free

      No mortgage broker fees – Many firms charge upfront fees, or fees on completion.

      Personal
      Service

      No call centres and only 2 points of contact (Mortgage Broker & Case Manager)

      Unbiased
      Advice

      We review the whole of the market, giving unbiased and independent mortgage advice.

      Regulated &
      Accountable

      We are directly authorised by the FCA and fully accountable for the mortgage advice we give.

      Free
      Advice

      Free financial advice, including; mortgage, life insurance & protection.

      Ongoing
      Contact

      We handle all the hard work and keep you updated until your mortgage completes.

      Free Remortgage Advice (FAQs)

      Can I remortgage to clear my debts?2021-02-07T12:01:38+01:00

      It is entirely possible to use remortgaging to clear debt, however, the lender you choose must have absolute confidence in your ability to repay the additional money borrowed as part of the capital-raising process – meaning you must, at least, have enough equity to support the capital borrowed. Remortgaging is a commonly used method of reducing monthly outgoings, especially in the case of repaying credit and store cards. 

      Employing the assistance of a mortgage broker experienced in the credit raising field could help find the best possible deals, and ensuring your finances, application, and evidence are as strong as possible – convincing lenders of your ability to maintain payments.

      Will having bad credit affect the rate on a remortgage?2021-02-07T12:01:17+01:00

      As is the case with many mortgages available on the UK market, capital raising remortgage rates are at least slightly negatively impacted by bad credit – with interest rates typically being higher for those with bad credit than good. Depending on the extent of past credit issues, the amount of equity required to obtain a remortgage can increase significantly. 

      Despite this, it’s not impossible to find a good capital raising remortgage deal when applying with bad credit. Employing the assistance of a mortgage broker experienced in the credit raising field could help find the best possible deals, and ensure your application is as strong as possible. 

      What types of properties qualify for capital raising remortgages?2021-02-07T12:00:57+01:00

      The vast majority of static homes including detached, semi-detached, terraced, and bungalow homes, alongside flats, apartments, maisonettes, shops, garages, surgeries, retail space, holiday homes, bars, pubs, and restaurants can be used in capital raising mortgages and remortgages. Of course, this list extends beyond what can be seen here. 

      In contrast to this, mobile homes of any kind are generally exempt from capital raising mortgages, this includes mobile homes, caravans, canal boats, and barges. 

      If you require further clarification on whether or not your property is a suitable fit for capital raising mortgages or remortgages, get in touch with a reputable mortgage broker, whose advisors will be able to offer informed, expert advice.

      What can capital raising remortgages be used for?2021-02-07T12:00:11+01:00

      Capital raising mortgages are a fast way to secure funding for a huge range of purchases, bills and projects. These may include;

      • Home improvements, renovations, and upkeep, including extensions, heavy refurbishment, restoration, or redecorating. 
      • Large purchases such as university fees, holidays, weddings, and property deposits.
      • Business investments, including asset acquisition and expansion.
      • Debt consolidation, including CCJs, credit cards, defaults, legal bills, and tax. 
      • Divorce, commonly covering legal bills, paying off ex-partners, or buying out properties.
      What is a capital raising remortgage?2021-02-07T12:00:29+01:00

      A good route for those who have paid off a significant portion of their existing mortgage or those who have come to the end of their current mortgage’s term, a capital raising remortgage is a secured loan which allows for the release of equity from an owned property. 

      When remortgaging to switch rates, a property owner would typically borrow an amount equivalent to their outstanding loan, those looking to secure funds generally borrow a higher amount. Though the borrower’s mortgage is now larger, it is affordable, and additional funds previously tied up in a mortgage can be used for a wide variety of purposes, including large purchases, and debt consolidation.

      How much does it cost to remortgage?2020-06-04T13:47:17+01:00

      Here is a rough guide on how much it costs to remortgage. However, the actual costs will depend on the current mortgage deal you have with your lender, as well as the value of your property.

      Mortgage arrangement fee: This can be paid upfront or added to your mortgage debt. This would then mean you’d pay interest on this fee. Cost £1,000-£2,000

      Mortgage broker: no extra cost when you go with Fees Free Mortgages

      Valuation and survey fees: Cost £250-£600

      Legal costs: Cost £850-£1,500

      When is the best time to remortgage?2020-06-04T12:10:32+01:00

      The best time to remortgage is not when the mortgage term comes to an end. You need to start looking for a new mortgage deal at least three months before the expiry date of your current mortgage. However, if for any reason you feel you’d like to find a better mortgage deal for yourself earlier than three months prior to the end of the term, please get in touch and we can help you find the best solution.

      How can I remortgage my home?2020-06-05T08:33:04+01:00

      The first thing to consider when planning for a remortgage your home is to calculate how much you can afford to pay. Consider any additional fees you may need to pay such as an arrangement fee to your new lender or an early repayment fee for leaving your current lender. There may also be legal and valuation fees.

      When working with Fees Free Mortgages, we take all of that into consideration when presenting you with the best options for your remortgage.

      Can I remortgage my home?2020-06-04T12:00:18+01:00

      Most people are able to remortgage their home and there are plenty of incentives to do so. We can help you explore the different options available to you and help you sift through the numerous deals to find the right one for you when you are ready to remortgage your home.

      Will the Coronavirus stop me from remortgaging?2020-06-05T08:41:38+01:00

      No! Coronavirus will not stop you from remortgaging. Advances in technology mean that we can conduct our initial discussion via telephone and we can email you our recommendations. The application process too can be completed with online ID checks and digital documents.

      Get in touch to start your remortgaging process now!

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        Looking for mortgage help? Get in touch with Fees Free Mortgages today. The top mortgage broker Essex & Suffolk.

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