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If you already have a mortgage you may be paying more than you need to. You may find that it might be beneficial to remortgage with a different lender.

Always check if you would need to pay ‘early repayment charges’ to your existing lender before you remortgage.

There are a number of reasons for remortgaging, which include:

Reducing your monthly mortgage payments

Most people consider changing their lender at the end of the fixed or discounted term to take advantage of a better mortgage deal. Some lenders even offer to contribute to the costs and you may save more over time with a lower interest rate. When you take out a mortgage with us, you will be contacted in 3-4 months before your current mortgage expires to arrange a review to advise you on your mortgage options.

Home improvements

Extending or improving your home can be a very cost effective option instead of moving home, with all the expense and upheaval that it can create. If you need to raise funds for an extension or other project, you can get advise on the best possible solution from either a secured loan, remortgage or further advance from your existing lender. We’ll also advise you on the costs involved in doing this.
Consolidate existing debts;

You may want to reduce your monthly outgoings by consolidating your debts into a single affordable monthly payment. Your finances will be reviewed and suitable recommendations will be made in the form of a remortgage secured loan or further advance on your existing mortgage. When consolidating debt, a reduction in monthly payments is likely to mean an increase in the debt and overall term.

With Linear’s advisors, remortgaging can be very quick and simple to arrange. One of their expert mortgage advisors will help you through the process step-by-step, working out how much you can borrow, how much it will cost, and what type of mortgage may be most suitable for you. They will assist you in taking care of all the paperwork for you, so you don’t need to worry about all the detailed form filling.

It is important to remember that you may have to pay an early repayment charge to your existing lender if you remortgage.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.