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Written by:
Alison Gibson
Ascot Mortgage Expert
Last Updated:
13.03.2024
Written by:
Alison Gibson
Ascot Mortgage Expert
Last Updated:
13.03.2024
With so many mortgages available, how do you find exactly the best mortgage deal for you?
Searching for the very best mortgage deals can feel a bit like looking for the lost City of Atlantis! Not only have you got hundreds of potential mortgage lenders to look at, but each lender can have hundreds of different mortgage products!
Comparison websites can seem like quick way to sort through them, but did you know that they don’t search all the lenders, and even those lenders they do search don’t include the exclusive deals which are reserved for brokers and / or existing customers! Remember, these exclusive deals are not available on the high street either.
No wonder finding that perfect mortgage can seem like an impossible task even for the most financially savvy! Ascot Mortgages are the experts when it comes to finding precisely the best mortgage deal for our customers. We will find you a great mortgage deal quickly and without any fuss.
Just fill in the form below and we will contact you to discuss your mortgage requirements and show you how much you could save by using Ascot Mortgages to arrange your next mortgage.
Tips on how to find the very best mortgage deal…
Ascot Mortgages are an experienced mortgage advisors with access to a comprehensive range of mortgage lenders. This includes some of the best mortgage deals which are currently from private banks who are, believe it or not, notoriously private!
The availability of mortgages is driven, amongst other things, by lenders’ appetites to lend money. It is also worth noting that some of the best mortgage deals available are not displayed on the internet or in the high street and can only obtained via a mortgage broker such as Ascot Mortgages.
If you are someone that is looking for a new mortgage or looking in to the possibility of remortgaging, then obviously you want to get the best deal on your new mortgage. When looking for the best mortgage deals it is important that you are able to compare mortgage interest rates; mortgage fees (both upfront fees and those added to the mortgage); exit fees; tie in duration, are the main ones, however there are many other factors which may need to be considered. We put all this together for you and shortlist the best mortgages for you and discuss each one with you in detail.
Getting the best mortgage deal in the market today can be something of a challenge. What constitutes the best mortgage deal is not easy to find out either – the best mortgage deal for you is not necessarily the best mortgage deal for somebody else.
Ascot Mortgages are experts in finding precisely the best mortgage deal for you. We need to ask a few questions about your current situation and what you need the new mortgage for, and from that we can match you up with the perfect deals.
Questions we usually need to ask
The value or the purchase price of the property in question and how much you need to borrow.
Are you looking for a tracker mortgage or a fixed rate mortgage?
If you are not sure we will explain the difference to you.
What is the mortgage for? This can be simply to lower your monthly repayments, or reduce the term of your mortgage, or you could be looking to stretch your borrowing and need a mortgage deal which will maximise any capital or equity you already have to enable you to borrow more. Or you could be a first time buyer looking for a good deal on a high LTV mortgage.
Whatever the purpose of the mortgage it needs a great deal of consideration which is something your Ascot Mortgage Advisor will take the time to consider in detail.
Mortgage Repayment Calculator
Alison Gibson
Ascot Mortgage Expert
Remortgage
Remortgaging is applied when you keep
living in your present property while applying for another mortgage deal with a new lender. Before finding out how to remortgage and get the best offers from experts like Ascot Mortgages, you have to check meeting what parameters of the deal that can help you succeed the most. The range of background factors varies a lot — from the recently changed loan-to-value ratio or your existing agreement coming to an end.
Whether you are trying to get a more beneficial deal or searching for funding to improve your home conditions, remortgaging is one of the most advantageous scenarios to consider.
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FAQ
The loan to value (LTV) rate determines how much you can borrow. A lower LTV typically results in better interest rates and more choice of lenders for remortgaging, as it represents lower risk to lenders.
Yes, you can choose to remortgage with a different lender. However, this should be based on factors such as interest rates, fees, and the terms and conditions of the potential new mortgage. Contact us today and we can help you to find the best option to suit your needs.
Most lenders will require a valuation of your property when you remortgage to ascertain its current market value. Some lenders may use an automated valuation model instead of a physical appraisal. Need help navigating this? Reach us today to discuss your mortgage needs.
Yes, when remortgaging a solicitor is required for both the mortgage lender and the applicant. Some mortgage lenders offer mortgage products that have a free legal facility. They handle the legal paperwork and advise on potential issues.
The amount you can borrow with a remortgage depends on multiple factors including your income, outgoings, credit score, the value of your property, and the lender’s criteria. Easy contact us to discuss your remortgage borrowing capacity.
The remortgaging process typically takes between 4 to 8 weeks, but can be quicker or slower depending on your circumstances and the lender’s processes. For help in understanding what you can expect, contact us today!
To improve your chances of being accepted for a remortgage, maintain a good credit history, ensure your income is stable, and reduce your overall debt. It can also help to have a clear purpose for remortgaging. Need advice? Reach us today.
It is possible to remortgage with bad credit, but options may be limited and interest rates may be higher. Some specialist lenders provide services for people with poor credit histories.
Applying for a remortgage will likely require a credit check, which can leave a footprint on your credit file. However, the impact on your credit score is usually minimal and temporary.
If your remortgage application is rejected, seek to understand why. It could be related to your income, property value, or credit score. You may need to consider alternative lenders or improve your financial situation. Contact us today for a free consultation and guidance on your options.
Yes, self-employed individuals can remortgage. However, you’ll need to provide more evidence of your income, usually in the form of HMRC documents for the last two or three years. If you’re self-employed and considering remortgaging, feel free to reach out to us whenever you’re ready to discuss this further.
Seeking advice on remortgaging can be beneficial to understand the costs, benefits, and potential risks. Professional mortgage advisors can guide you to make the best decision based on your circumstances. Need professional advice? Easy reach us and we always here to help!
Yes, there are fees involved in remortgaging. These can include exit fees from your current lender, arrangement fees for your new mortgage, valuation fees, legal fees, and broker fees. It’s important to factor these in when considering a remortgage.
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Legal
Ascot Mortgages authorised and regulated by the Financial Conduct Authority and can be found on the FCA register (www.fca.org.uk) under reference 776062. The FCA do not regulate some forms of mortgages. The guidance and advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be £599 per mortgage account. Ascot Mortgages Ltd give you the option to pay a non-refundable fee of £1299 payable with the application. If this option is taken, Ascot Mortgages Ltd will refund any procuration fee received by the lender.
Ascot Mortgages Limited is registered in England and Wales and have their registered office at 8 Webster Court, Westbrook, Warrington, WA5 8WD. The company’s registration number is 06764971.
We are a credit broker, not a lender. We work with the whole of the lending market. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature any commissions model will be confirmed to you before you proceed.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT
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