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Homeowners in Harrogate can use a remortgage to release equity to borrow against their property’s value, whether it’s for:
A mortgage broker in Harrogate, like ourselves, can provide advice and support to ensure you find a deal that works for you.
When remortgaging in Harrogate, the amount of equity you can release depends on your home’s current value and any secured loans or mortgage still outstanding.
Lenders also evaluate factors like your income, credit score, and age to calculate the amount they’re willing to release.
Our mortgage advisors in Harrogate will support you throughout the process, ensuring a smooth experience.
Releasing equity in Harrogate through a remortgage is likely to affect your monthly payments, depending on the amount of equity you release and the terms of your new mortgage.
Borrowing more could raise your payments, by adjusting the term or finding a favourable interest rate might help manage costs, although it could increase the total borrowing cost.
For personalised mortgage advice in Harrogate, our team is here to support you every step of the way.
Yes, it’s possible to remortgage during a fixed-rate deal, though you may need to pay an Early Repayment Charge (ERC). This fee is usually a percentage of your outstanding mortgage balance.
If the potential benefits, such as releasing equity or securing a lower rate, outweigh the ERC cost, remortgaging could be a worthwhile option. Speak to a mortgage advisor in Harrogate for advice tailored to your circumstances.
If remortgaging isn’t the best fit, consider these options:
To explore these alternatives, contact a mortgage broker in Harrogate for personalised support.
Yes, remortgaging is still an option for those aged 50+. Many lenders cater to older borrowers, with eligibility determined by factors like income, credit history, and the remaining mortgage term.
To learn more about your options, consult with a mortgage advisor in Harrogate for guidance.
To check your home’s value:
A mortgage advisor in Harrogate can help you understand how your property’s value affects your ability to release equity.
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Zoe
Jason and the team have been amazing, so helpful!
3 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...
3 months ago
David
Excellent service and very happy. Highly recommend and thank you Leo & Meghan! Best, David
11 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
The process begins with a free remortgage review to understand your current situation. Whether you’re looking to release equity in Harrogate for home improvements or reduce your monthly outgoings, we’ll guide you through the available options.
Our extensive network allows us to provide access to thousands of remortgage deals. For those in Harrogate, we’ll compare competitive rates and flexible options to help you achieve your goals.
We’ll handle the remortgage application on your behalf, ensuring all forms are completed accurately and on time. Our mortgage advisors in Harrogate will keep you informed throughout the process.
When your remortgage is approved, we’ll oversee the completion, ensuring everything is finalised smoothly. Whether staying with your current lender or switching to a new one, we’ll make the process seamless in Harrogate.
Our free remortgage review helps homeowners in Harrogate explore their options with confidence. Whether you want to release equity, lower your monthly repayments, or secure a better deal, we’re here to provide expert advice at no cost.
We have access to thousands of remortgage deals, giving us the ability to find the best product for your circumstances in Harrogate. From fixed-rate mortgages to flexible options, we’ll help you achieve your financial goals.
We’re committed to making the remortgage process in Harrogate seamless and stress-free. Our team will manage your application, liaise with lenders, and ensure all paperwork is completed accurately, keeping you updated throughout.
Our mortgage advisors in Harrogate are available 7 days a week, offering flexible support to fit around your schedule.
Equity release can fund upgrades such as modernising outdated rooms, creating an extension, or enhancing energy efficiency. These changes improve comfort and can add substantial value to the property.
Many use equity release to finance special events, like a wedding, an anniversary party, or a memorable holiday. It’s a way to enjoy your property’s value while celebrating life’s important moments.
Equity release allows for financial help to loved ones, such as assisting with a deposit for their first home or covering educational costs. It’s a great way to provide support without depleting personal savings.
Releasing equity is a common way to fund the deposit for a second property, whether it’s a buy-to-let or a holiday retreat. This option provides both personal and financial benefits, including potential rental income.
Equity release can help ease financial pressures during retirement by providing funds to supplement income, clear remaining mortgage debt, or create financial flexibility for future needs.
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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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