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In today's competitive market, many borrowers choose to switch

 In today's competitive market, many borrowers choose to switch their mortgage maybe every year or every few years in order to take advantage of the new rates that are on offer to them. But most of them still remain on the same deal for the full term of their loan and could be losing to many benefits they were unaware of, or were not made aware of.

In simple terms, remortgaging involves switching your current mortgage to a new deal, arranged either with your existing lender or with a new lender. As a homeowner you may want to consider taking this step for a number of reasons, such as:

To save money
If you're paying your lender's Standard Variable Rate (SVR), it's almost a certainty that your current lender will offer a better rate on their products simply to keep the business and to make sure you don’t look into changing.

If your existing lender won’t offer you any better rates on your current mortgage then you may want to consider switching to another lender who will offer lower APR rates and overall a better service. Even if doing so will trigger an early repayment charge from your lender, but in the long road this will save you money.

To raise money
Higher income or a rise in your property's value means you could increase your mortgage to help pay for major outgoings that come up even when you don’t expect it, like weddings, university costs, funerals, holidays, rather than borrowing separately, in some cases more expensively for the outgoing itself.

To 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.
To consolidate your debts

Remortgaging can allow you to release some of the equity you hold in your home and consolidate other debts, such as a car loan or credit cards, which can attract higher rates of interest than that of your mortgage.

For more information or help and advice on remortgaging your property please get in touch and see if we can help you. I am positive we can help so what are you waiting for, pick up the phone and speak to one of our remortgaging advisors today.
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Remortgaging advice| Buy to Let Remortgage | How to Remortgage | Remortgage Deals | Remortgage help