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Remortgaging in Harrogate is a process where you take out a new mortgage on a property that already are in possession of. This new mortgage replaces the current mortgage you have or gives you the option of borrowing money against your properties value. There are many reasons why people look into remortgage advice in Harrogate, with a popular choice usually being to find a ‘better’ deal.
A mortgage is no doubt one of the largest financial commitment you will ever go through and even with a remortgage, you should plan carefully before you make any big decisions. This is why we would recommend that you look at the options available to you, to make sure you are on the right path, with the right deals (especially if it could make you money!)
The good news for any homeowners looking to save some money, is that we can search 1000s of remortgage deals on your behalf, taking on the bulk of the process. In doing so, we hope that we can find the best mortgage deal for your circumstances, with interest rates that work in your favour too. Our trusted team of remortgage advisors in Harrogate are experts at remortgages in Harrogate and know all about lending criteria.
The remortgage process can sometimes be quite complicated. It’s for this reason why we always suggest taking expert remortgage advice from a mortgage broker in Harrogate. We work hard every day, providing our customers with a top tier, open and honest mortgage advice service in Harrogate. We will guide you throughout each step of your remortgage journey!
Before you make a start on your remortgage process, we would also highly suggest watching Malcolm’s five-minute guide to remortgages in Harrogate video. This will serve to further explain how a remortgage works. If you have any additional questions or would like to get the ball rolling on your remortgage, book your free remortgage review today and our mortgage advisors in Harrogate will look at the ways we can help you.
Remortgaging in Harrogate can be advantageous for various reasons. Firstly, it allows you to explore interest rates, potentially reducing your monthly mortgage payments. Additionally, if your property’s value has increased, remortgaging enables you to access equity for home improvements or financial needs. The flexibility to choose between fixed or variable rates and the opportunity to switch to a different provider for better terms are further incentives for considering remortgaging in Harrogate.
Yes, remortgaging typically incurs various fees that should be considered. These include arrangement fees, covering the setup of the new mortgage, valuation fees for assessing the property’s current value, and legal fees for the services of a solicitor or conveyancer. Early repayment charges may apply if you are still within a fixed-rate period, and some lenders may impose exit fees when switching away from their mortgage. It’s crucial to factor in these costs when evaluating the overall financial implications and potential savings of remortgaging.
In Harrogate, you have diverse remortgage options to suit your preferences. Fixed-rate mortgages provide stability with a constant interest rate for a specified period, ensuring predictable monthly payments.
Variable-rate mortgages offer flexibility as interest rates fluctuate based on market conditions.
Tracker mortgages are linked to the Bank of England base rate, adjusting accordingly.
Discounted rate mortgages provide a temporary discount on the lender’s standard variable rate. Capped rate mortgages set a maximum limit on potential interest rate increases during a specified period, offering a degree of protection.
To make an informed decision tailored to your needs, consulting with a mortgage broker in Harrogate is recommended.
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4.94 Rating34 Reviews
Zoe
Jason and the team have been amazing, so helpful!
2 months ago
Shannon
Matt from Harrogate money man was so accessible and supportive throughout our journey to get a mortgage. He has been close at hand every step of the way and gave us so much convince in ourselves and our own finances which we didn’t have to begin...
2 months ago
David
Excellent service and very happy. Highly recommend and thank you Leo & Meghan! Best, David
10 months ago
Lydia
They have been excellent! Couldn’t have asked for better help and communication. They were very understanding and have been very patient with us over the last few months.
1 year ago
Sally
I'm really pleased with the service at Harrogatemoneyman and would definitely recommend them. Leo and Jo have been really helpful and supportive throughout the process.
1 year ago
David
Chris was brilliant at guiding us through the whole process. As FTB, you think you understand the process but there is so, so much more too it and having someone who you can ask questions almost anytime of the day, was something we could not have...
1 year ago
Rebecca
As first time buyers this whole process initially seemed very daunting. We spoke with Matt over the phone and he talked us through the process, was really positive and has got us through the process. It has been stressful but Matt kept us updated...
2 years ago
Maria
Me and my husband were looking to get a mortgage, we are first time buyers, so were wanted a stress free process and getting the best deal for us. Harrogatemoneyman was amazing! Very professional, answered all our questions and kept us regularly...
2 years ago
John
Fantastic service from start to finish. Every stage of getting a mortgage for a first time buyer was carefully explained with complete transparency of costs and what to expect. 100% recommend.
2 years ago
Salvatore
Joe and Meghan have been very helpful and professional. They have explained everything clearly and responded extremely quickly to our correspondence. We would certainly use your service again and recommend both Joe and Meghan to others.
2 years ago
Deanna
Amazing service & support! We are first time buyers and felt the process from start to getting our mortgage accepted was amazing & very smooth!! We were kept up to date regularly and felt comfortable to ask any questions. Special thank you to...
2 years ago
Charlie
Really impressed with the service from these guys, from start to finish the process has been so easy. Our situation was slightly different from normal but they still managed to get the mortgage sorted for us. They always kept us up to date with...
2 years ago
Deanna
Leanne was so friendly and approachable. Extremely helpful.
3 years ago
Laura
Fantastic service from start to finish. Matt was always on hand to answer my questions and explained everything clearly, along every step of the way. Thank you!
3 years ago
Heather
Polite helpful reassuring conversation. Very helpful.
3 years ago
Richard
Excellent from start to finish. Booked appointments that suited us even late evening! Found us a great deal on our mortgage and wage protections. Thanks Malcolm for all your help!
3 years ago
Gregory
First time buyer and the team at Harrogatemoneyman provided a 1st class service from start to finish. Excellent advice really quick service excellent product really cant fault them at all. I highly highly reccomend them just exceptional in everyway....
3 years ago
Alice
Very quick response from Hannah. Very helpful. Highly recommend
3 years ago
Dane
Great service, professional as well as friendly
3 years ago
Paula
Can I say what a great job they have done for us, answered every question when needed and kept me calm through the last few weeks! Great job done! Cannot thank them enough, Thank you Wayne, Jenna and Megan!!
3 years ago
Book your free remortgage review online and speak with one of our mortgage advisors in Harrogate.
We will take a look at your current product and see whether you can save money by remortgaging to a new deal.
We are able to search 1000s of remortgage deals via our panel of high street and specialist mortgage lenders.
By evaluating your current mortgage situation, we will be able to find the most suitable deal for you!
Once we have found the perfect deal for you, we can begin preparing your remortgage application. From this point in the process, you will work alongside our case managers.
They will help you prepare your remortgage application, making sure that it looks the best that it can! Once we are finished, we can send it to the mortgage lender.
Now that you have submitted your mortgage application, all that is left to do is to wait for the good news!
As soon as your dedicated case manager hears back from the mortgage lender, we will be in touch straight away to tell you the good news!
Here at Harrogatemoneyman, we make sure that we offer all of our customers their very own free remortgage review with one of our dedicated remortgage advisors in Harrogate.
We can search through thousands of remortgage products to find you the most suitable deal for your circumstances. By evaluating your personal and financial situation, we are able to pick out the perfect remortgage product for you and your unique circumstances.
Please feel free to take a look at our genuine customer reviews, left by both home buyers and homeowners with all kinds of personal mortgage situations that we had the pleasure of helping with. Book your free remortgage review today and speak to a member of our mortgage advice in Harrogate team about your remortgage in Harrogate.
No matter whether you want a better deal, are looking to consolidate your unsecured debts or are wanting to do something else, our amazing mortgage advice in Harrogate team will be here for you 7 days a week, including weekends and some bank holidays, to work around you.
As you reach the end of the fixed-period on your mortgage, you will need to review your options for which routes to take next. We generally find that people will look to remortgage in Harrogate, for a variety of reasons.
One of the main reasons that this is the case, is so that you don’t move onto your lenders’ SVR (Standard Variable Rate), which will likely have higher interest rate. This also means that you will have ever higher mortgage payments per month. Many take out remortgage advice in Harrogate, to find a better deal, with better rates of interest.
Over our time in the industry, we have helped quite a lot of homeowners to remortgage in Harrogate, in order to fund home improvements and modifications. This usually includes things like loft conversions, office spaces, kitchens being reworked, extensions and other things.
To see what options you have for taking out a remortgage to release equity, book yourself in for a free remortgage review today. It’s important to bear in mind that you could be asked to provide quotations for the work that you want to have carried out.
Debt consolidation can be a risky process, though can oftentimes work in your favour if done carefully. Merging unsecured debts into one monthly mortgage payment can be a great way to manage finances and control what goes out monthly.
Please be wary though that your debt will carry on for the entire length of your mortgage term, meaning you could end up paying a lot more overall. It is imperative that you are always careful with debt consolidation remortgages.
We definitely recommend that you get in touch with a specialist mortgage advisor in Harrogate before you look at securing any debts against your main assets, such as your home.
You should think carefully before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.
Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.
If you are a co-owner of a property in Harrogate and are looking to remove the names of your co-owners off your mortgage, you can achieve this by taking out a remortgage in Harrogate.
No matter if you are staying with your current mortgage lender or taking out a mortgage with a new one, you’ll have a similar process to the first mortgage process you went through. This is because you will still need to show your mortgage lender that you are capable of maintaining your remortgage payments.
To learn more about taking out a remortgage in Harrogate, book your free remortgage review today.
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Harrogatemoneyman.com & Harrogatemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Harrogatemoneyman.com & Harrogatemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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