Mortgages, remortgages and further advances are available on Residential properties or Buy to Let properties or Commercial properties. They are a first charge against the property. Remortgages are available to get a lower rate of interest and reduce monthly outgoings. Homeowners who want to raise money for home improvements, buying a car or other purposes often find that a remortgage to raise the money is cheaper than taking out a personal loan or using credit cards. This is because interest rates on mortgages are amongst the lowest of all the different types of loans.

Homeowners may wish to raise money to consolidate other debts. By taking advantage of remortgaging your property you could transfer several debts into one more easily manageable remortgage.

This means you can replace credit card bills, personal loans and other loans with one lower interest rate remortgage and spread lower payments over a longer period.

It is important to note that there are costs attached to remortgaging such as redemption penalties. These need to be taken into account when you are considering a remortgage. It is however worth bearing in mind that often the benefits of remortgaging can outweigh the costs involved.

• Past credit problems not necessarily a problem.
• Lend up to age 85 years
• Up to 90% Ltv and 95% for some first time buyers.
• Fixed / Interest Only / Tracker products available
• Shared Ownership products up to 75% Ltv
• Employed or self employed
• Available on council properties
• From 5-30 years
• Self build considered
• Development finance considered.