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There are many different reasons to remortgage and so it is important to understand all of the options available and which will best suit your circumstances.

Are you coming to the end of your fixed, tracker or discounted rate?

If you are, remortgaging can be a way of reducing your monthly payments, or keeping your payments the same and reducing the term of your mortgage.

As independent mortgage advisors we can research the market, compare the costs and charges and assess what advantages there may be in moving your mortgage to another lender.

Looking to consolidate loans?

Many people use remortgaging as an opportunity to consolidate loans and we can talk with you about the pros and cons of refinancing short term debt into long term commitments.

For example, by consolidating you may pay more over the long term but it can be beneficial in reducing monthly outgoings.

We can look at debt consolidation only as part of a regulated mortgage and we can discuss what lenders will expect. It is important to note that we are not debt counsellors and you should seek specialist advice.

Do you want to finance home improvements?

Perhaps you want to extend your home, add a conservatory or upgrade your kitchen. Whatever home improvements you are considering, you may find that remortgaging means that you can borrow a little extra and your costs remain similar to your existing payments.

Why not talk to our friendly and helpful advisers? We will guide you through the maze of remortgage options and help you to find the most suitable product for your circumstances.

Call today on 0161 929 8838.

Your home may be repossessed if you do not keep up repayments on your mortgage. Kellands (Hale) Limited is not permitted to give advice on specific debts or provide debt counselling. If you require debt advice or debt counselling we recommend contacting The Citizens Advice Bureau.