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Remortgaging your property

There are many reasons why people want to or need to remortgage their existing property and The Mortgage Surgery is here to help. Our team of fully qualified mortgage experts offers an independent and whole of market mortgage advice service which means we are able to find the right deal for you.

Some reasons to consider a remortgage:

  • Home improvements
  • Debt consolidation
  • Save money on your existing mortgage deal
  • Purchase a holiday home/investment property

Home improvements
One of the main reasons for remortgaging is simply that you have come to the end of your existing mortgage deal (i.e. Fixed rate, Discount rate, Tracker rate etc.) and you are now on your lender's standard variable rate (SVR). It is generally advisable to regularly review your mortgage deal as it could save you hundreds of £'s every month simply by switching to a better deal.

Our team of mortgage experts are available to regularly review your current mortgage deal to ensure that it suits your current circumstances. It is our aim to save you money on your monthly mortgage payments, life insurance premiums, and other general insurance policies.

Example of how much you could save:

In this example, we will show how much a standard individual could save on their monthly mortgage payments simply by reviewing their mortgage deal and switching to a lower rate.

Value of property: £200,000Wallet image

Existing mortgage amount: £150,000

Loan to value: 75%

Current mortgage

Mortgage rate: 4.74% Standard Variable Rate

Mortgage payment: £854.31 per month

New mortgage

Mortgage rate: 2.25% 2yr Fixed rate

Mortgage payment: £654.20 per month

SAVING: £200.11 per month**

**The example above is based on an individual paying the current Standard Variable rate (23/04/14) with Abbey of 4.74% and 75%LTV. The new rate is based on no impaired credit issues and a Virgin Money rate of 2.25% on a 2yr fixed deal.

For a free mortgage review, call our mortgage team on 0800 083 2829 or complete our simple mortgage enquiry form.


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