Remortgages

Shoreline Mortgages

With years of experience in the mortgage and financial industry we are perfectly placed to provide you with the best advice for a remortgage.

Remortgaging means getting a new mortgage for your property, there are many benefits to looking at a remortgage. We are here to advise if this would be the best option for your circumstances and find the best deals available to help you make the most of remortgaging.

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Why Should I Consider a Remortgage?

If you are in the situation where any of the following points are true, a remortgage could be a good idea:

Your current deal is fixed and will be ending in the next 6 months
You would like to perform home improvements and increase your borrowing
You would like to change the type of deal you are on such as switching from a variable rate to a fixed rate mortgage
Interest rates may be going up or they have dropped and you want to get a fixed rate before they increase or take advantage of them decreasing
Your property value has increased and you now have a better loan-to-value ratio which could
You are looking for a more flexible to allow overpayments or a different payment term.

When is a Remortgage not recommended?

A remortgage is not always the best option, that is why it always pays to get good honest advice:

You may not be able to get a better deal than you currently have if your income has decreased
If you have recently had credit problems you may not be able to get a deal better than your current mortgage
If you have nearly finishing paying off your mortgage and only have a few thousand pounds left to pay a remortgage would only help if you wished to borrow more money
If your current deal has a large early repayment fee it is normally better to wait until closer to the end of your current term

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Are There any Fees if I Remortgage?

There could be fees involved with your remortgage but these should be taken into account when calculating if you are still getting a better deal.

There may be an arrangement fee which can either be a percentage of the mortgage or a set fee. Some lenders will include a booking fee and there could also be legal fees.

Not all lenders charge these, some will offer cashback as part of the mortgage deal. We are here to advise and help you understand the fees.

My Current Deal Has Expired, What Happens?

If you were on a fixed rate deal and it has come to an end your lender will automatically switch you to their standard variable rate mortgage. Depending on the current interest rates this could reduce or increase your mortgage repayments.

Your lender will inform you when your current deal is coming to an end. This is the best time to look at a remortgage and find a new deal to ensure your payments remain manageable and stable.

Our Mortgage Services

Shoreline Mortgages

We have access to the whole market making us the perfect solution for your mortgage requirements. Find out how we can help you by clicking on the services below.

First Time Buyers

Supporting first time buyers through the mortage minefield to get them on the housing ladder with the best mortgage deal.

Remortgage

With years of experience in the financial industry we are perfectly placed to provide you with the best advice for a remortgage.

Buy to Let

If you are thinking about buying a property to rent out to tenants then you need a Buy to Let Mortgage.

Military Mortgages

We are able to help you through the process of finding the right lender and providing the right information to get you a Military Mortgage.

Right to Buy

The Right to Buy Scheme is a government initiative that helps social tenants in England to buy their home at a discounted rate.

Our Financial Services

Shoreline Mortgages

With access to the whole market we are the perfect solution for your insurance, protection and finance requirements. Find out how we can help you by clicking on the services below.

Life Insurance

Life Insurance provides some financial protection and peace of mind if the unexpected happens.

Income Protection

Income Protection is an insurance policy that ensures you are able to meet your financial commitments.

Critical Illness Cover

Critical Illness Cover is an insurance which pays out a lump sum (tax free) if you are diagnosed with a serious medical condition.

Commercial Finance

Commercial Finance covers a wide range of business financial products that include both short and long term solutions.

Comments From Our Customers

Shoreline Mortgages

James has been amazing from start to finish sorting out our re mortgage and nothing was too much trouble.

He explained everything we needed to know and went over anything we didn't understand , he was patient ,kind and would highly recommend him.

Tracy Clark
I really wish you all the best with it. I am sure you will continue to succeed.

The help and advice you gave us was sound and you made the process bearable. Plenty of others will benefit from your experience.

Mr S Williams, Bournemouth
James made sure that he went above and beyond to provide us with the reassurance and advice we needed. James’ communication skills were very good, and he remained available at all times to answer any queries we may have had.

James’ friendly and professional manner and his valuable knowledge on the current market made us feel comfortable and assured that we were in the best hands for our purchase.

Mr & Mrs A, Bournemouth
I have a great many very loyal clients for whom I’ve acted repeatedly over the years and would not recommend someone to them unless I was totally happy that my client would be looked after in the best possible professional manner.

I have always felt very happy recommending James to them.

Julie s, FCILex