GETTING THE BEST DEAL
To get the best deal, you need to review all the mortgage rates offered by all the lenders in the UK, this can be very time consuming as well as difficult to do. Some lenders do not offer all deals direct to customers and there will be products which are only available to brokers like myself.
In some cases, this can be an extra 0.5% off the quoted rate; which over a mortgage term of 25 years equates to a significant amount of savings. Even when you have found what is the best rate for you, every lender has different criteria and it is important to make sure that you are going to be accepted for the mortgage you have applied for.
Manley Financial will review your current situation and provide the relevant advice . We can find the best deal for your remortgage application, and we can do it fast. We will do all of the work for you in order to save you time and hassle, and we will advise you through every step of the process.
Due to our expertise and thorough knowledge of every lenders criteria you can be confident that when we recommend a lender we know you should meet their criteria.
EXISTING OR NEW LENDER
The first step we will take is to review your existing lender and what they are offering and whether it makes sense to stay with them or not.
If there are better deals available from other lenders; we will discuss your options and what is involved when switching from your current lender to a new lender. We will provide advice that ensures you get the remortgage that is right for you.
BENEFITS OF SHOPPING AROUND
It can be very tempting to simply renew with your current lender because it might seem like the easiest option. However you could be missing out on a really competitive deal, so it's always worth seeing what else is out there. It would be very rare if there is only one lender that would consider you. You shop around for your motor and household insurance so why not your biggest asset – your home!
We can help you shop around, whether you want to keep the same mortgage amount or if you want to borrow more from your lender for home improvements. We'll do all the analysis for you, comparing what your existing lender can offer with other deals on the market.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £195 but may range from £0 to £495.
You will not receive a refund if your mortgage or loan does not go ahead but the fee paid will cover a second mortgage application if applied for within 6 months of the initial application.