Rosewood Financial Advisers
Looking To Remortgage Your Property?
Looking to remortgage when your current deal ends can allow you the possibility to get a better mortgage deal with a new lender or allow you to borrow additional funds for decorating or home development. However remortgaging your home can be a confusing prospect. You may want to simply renew with your current lender because it seems like the easiest option. By going down this route though you could be missing out on competitive deals from other lenders which could allow you to free up extra money each month. So it is definitely worth seeing what is available to you.
Make sure to keep track of your current mortgage and when it ends as we advise getting in touch a few months before your existing mortgage deal expires. Or well before if you are looking to free up additional funds, so we have plenty of time to arrange the right deal for when your current one ends.
At Rosewood Wealth Management, we can look at a range of mortgages, either to secure a better mortgage deal or to free up funds for home improvement. We will help and advise you, keeping everything very simple so you have straightforward advice on the benefits and costs involved with switching.
How we can help you
At Rosewood Wealth, we believe in providing all of our clients a truly individualised financial advice service. We are here to help find the best solution when you are looking to remortgage.
Frequently Asked Questions
What is re-mortgaging?
This is the term given to the process of switching over to a new mortgage deal – either with the same or a different lender. The most common time to re-mortgage is when the fixed or introductory tracker or discounted rate on your mortgage ends.
Why should I re-mortgage?
Often the purpose of switching from one lender to another is to secure a more favourable interest rate. The process of re-mortgaging does not usually involve moving house it is in effect the transfer of a mortgage from one lender to another.
Do you need to get your house valued for a re-mortgage?
If you decide to re-mortgage, you’ll need to know the value of your home. From this, you can work out the equity you have in your property.
Hear what a few of our highly satisfied clients have to say
Shannan has provided us comprehensive advice and direction in a straight forward and pro-active manner. Shannan has reduced our current mortgage by over 35% and has also secured a approval in principal for a new property. A number of other financial improvements are also underway from credit score improvement to insurance and health care.
Client In Derbyshire
Shannan was fantastic made the process really easy to understand and supported me at every step, without Shannan and her expertise i wouldn’t have known where to start.
Client In Derbyshire
I have continued to use Donna and I continue to be completely happy with the service she provides. My circumstances have changed and Donna has helped me to adjust my finances. She is the advisor that I recommend to family and friends.
Client In Derbyshire
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Rosewood Wealth Management Ltd
Registered in England and Wales Registered Company Number : 08291755. Registered address: 388 Brimington Road, Chesterfield, Derbyshire S41 0TF. Directors: Donna Robertson & Shannan Pool-Gorman
What to do if you have a complaint: If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. If you wish to register a complaint, please contact us: In writing: Shannan Pool-Gorman, 388 Brimington Road, Chesterfield, S41 0TF. Email: email@example.com, or by telephone 01246 932300. Please be assured we treat complaints seriously. For your protection, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Please see the following link for further details: http://financial-ombudsman.org.uk/.
A lifetime mortgage is secured against your home and is a complex product. To understand the features and risks, ask for a personalised illustration. Your home or property may be repossessed if you do not keep up the repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. The value of your investment can go down as well as up and you may not get back the full amount invested. Accessing pension benefits early may impact on levels of retirement income and your entitlement to certain means-tested benefits. Accessing pension benefits is not suitable for everyone. You should seek advice to understand your options at retirement.
© 2019 Rosewood Wealth Management | Rosewood Wealth Management is a trading style of Rosewood Wealth Management Ltd which is Authorised and Regulated by the Financial Conduct Authority – number: 841587. You can check this on the Financial Services Register by visiting the FCA’s website – or by contacting the FCA on 0800 111 6768. The Financial Conduct Authority does not regulate taxation advice, university/school fees planning some aspects of buy to let mortgages. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. The FCA’s consumer website address can be found here.