Remortgage

We’re always glad to help you switch to another lender or negotiate a better deal on your existing mortgage.

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Remortgage

As your trusted partners we will be with you throughout your mortgage lifetime. There are many reasons why you might want to remortgage.

You might want to avail of a lower interest rate, consolidate debt, renegotiate a new deal when your deal is coming to an end or you might want to  borrow more money for home improvements,  buying out shared ownership or something else. We are experts in all things remortgage so just get  in contact and we can help.

 

Your home may be repossessed if you do not keep up repayments on your mortgage.

Please note, debt consolidation may extend the period of time of the loan repayment and result in overall increased interest payments. This should be carefully considered.

Step 01

Make a note of when your deal is due to end.

Speak to an IQ adviser well in advance of your deal end date- this will avoid you moving onto a Standard Variable Rate which may be higher than available deals.

Step 02

Make an appointment.

We will talk you through your options and our expert knowledge will make sure we find a solution that is matched to your own specific circumstances.

Step 03

Get an agreement in Principle.

We will check if you mee the lenders criteria before applying for your remortgage.

Step 04

Apply for your remortgage

We will guide you through this process, helping you with valuers, solictors (if necessary) and making the process as hassle free as possible.

Step 05

Review your protection.

A lot can change in a short space of time, make sure your personal protection needs are up to date by reviewing with your adviser.

Step 06

Receive your offer and complete.

Once your offer is received the next step is for your remortgage to complete, this is where your solicitor requests the money from the new lender and uses it to pay off the old mortgage.

HOW MANY PEOPLE ARE APPLYING?

Applicant 1

Yearly Income

You could borrow

Change amount to borrow

Amount to borrow

Input amount to borrow value

What will my monthly mortgage payments be?

 

Mortgage Term

Input mortgage term

Interest Rate

Input interest rate

Your monthly payment will be

Assuming interest rates stay the same

The total amount you will pay over the term is

0 capital and 0 interest.

Mortgage debt over time

 

These results are for a repayment mortgage and are only intended as a guide. The amount you can borrow may be more or less than this. Please make sure you obtain accurate figures from your lender before committing to any mortgage.

It looks like you could borrow between:

£120,000 - 150,000

This means with the minimum required deposit of 10% you may be able to buy a house up to £0.00.


Next Steps

By answering a few more questions, we can check exactly how much you can borrow (and also check your eligibility for a mortgage) with top mortgage lenders.

These results are for a repayment mortgage and are only intended as a guide based on income multiples, not taking into account your specific circumstances. The amount you can borrow may be more or less than this. Please make sure you obtain accurate figures from a member of our team before committing to any mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage

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Mortgages don't have to be complicated.

We'll do the hard work to find your perfect mortgage.

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