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A re-mortgaging is switching your present mortgage to a new deal, this can be with your existing lender or a different provider. You’re not moving house and the new mortgage is still secured on your current property.
Often, the lower your loan to value (LTV), the more competitive the rates would be.
There are many reasons for deciding to re-mortgage:
- To get a better interest rate on your mortgage.
- To get a fixed rate and protect monthly payments against possible future rate rises.
- Raising extra money to carry out home improvements.
- Raising a cash lump sum to pay for some event of occasion.
- Consolidate your debts.
Your mortgage can last many years, it is important to review your financial options thoroughly that time. The decisions you make when re-mortgaging are just as important as when you decided on your original mortgage.
PLEASE MAKE BORROWING DECISIONS CAREFULLY, YOUR HOME OR ANY OTHER PROPERTY OR ASSET OFFERED AS SECURITY FOR A LOAN OR MORTGAGE MAY BE AT RISK OF REPOSESSION IF YOU CANNOT KEEP UP THE AGREED PAYMENTS
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