If you want to change your current mortgage Enable’s IFAs of Bishop’s Stortford can help you look at your options. If you already have a mortgage on your home you can be looking to re-mortgage for a wide variety of reasons. You may be approaching the end of your current deal, or your deal is no longer right for you, you might want or need to try and cut some costs, or be looking to consolidate debts?
Enable’s IFAs know that if your mortgage is your single biggest expenditure then by reducing it or making sure it is the most economical it can be it is likely to be your biggest single opportunity to save money. First, it is important to explore why you want to re-mortgage and for some, it is not the right option and some may be locked in for more than they realised but if you know you want to make a change there are lots of options.
Before you start looking at re-mortgage deals it is not a bad idea to get all your ducks in a row. There are some vital bits of information you will need to know before ditching your current mortgage. It is worth taking a bit of time to formulate the questions you need to ask your current lender and confirm what it is you are looking for from your new lender.
It is also not a bad idea to look at how you might boost your chances of getting the best mortgage. For some getting any kind of mortgage, deal is not nearly as easy as it used to be. You can’t just rest on your laurels because you’ve managed to get a mortgage from a lender once before. If you are self-employed there may be additional information you’ll need to prove you can afford a re-mortgage when you’re not a standard PAYE employee. Enable’s IFAs can help you look at what you need to find the best deal for you.