Remortgages, Cheap mortgages, Mortgage Quotes, Best Mortgage Rates

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The Heart of a cheap Mortgage Deal

A really low Annual Percentage Rate - the APR - is always at the heart of a cheap Mortgage Deal. But the interest rate offered to you will depend on a number of factors. For example, how much deposit you can raise, the size of the mortgage you want, how much equity you will retain in your house and particularly your credit history.

It's easy to find
the best Mortgage Deal and the best Mortgage Adviser.

Many people think of the internet as being a short cut to finding the best Mortgage and the best Mortgage deal. But the internet's success has created its own problems - information overload ! There's simply too much information so you can easily become confused.

Our advice is keep a clear head. Use the internet, and particularly Kings College Brokers - where you will find loads of high quality background Mortgage information - and turn yourself into an "informed consumer". But don't try to become an expert overnight. You'll fail !

By becoming an "informed consumer" you'll be in a much better position to evaluate the advice provided to you and make a reasoned decision. If you try to use the internet to decide exactly what sort of Mortgage you want and which Mortgage Deal you think is best, then the odds are you'll get it wrong ! Leave the final selection to the mortgage experts.

These days Remortgage Advisers have to pass exams and regular refresher courses just to keep in touch with current legislation and up to date Mortgage trends. Then there's the advanced computer evaluation systems which they use to sift through the thousands of alternative Mortgages to get to a short list of Mortgage options which suit you best.

Quite honestly, the private person searching alone for the best Mortgage Deal stands little chance of getting it right. That's why within a few hours we'll get a specialist Mortgage Adviser to speak to you on the phone and then, in many cases, if you prefer, they can visit you at home and sort out your options face to face.
No confusion - just old fashioned service with a high-tech edge.

Like to see our Index of Frequently asked Mortgage Questions?
Then Click here.

Why Remortgage?

• You could lower your monthly repayments
• Reduce your interest rate
• or even raise a cash lump sum.

For example, do you want a flexible mortgage with payment holidays and the ability to underpay and overpay? Or are you willing to sacrifice flexibility for a really cheap mortgage which offers the lowest introductory rates? These are some of the things you need to think about and discuss with the mortgage expert when he or she phones you.

Have you got a poor credit history?

Credit problems are no problem! Your Mortgage Adviser can source great mortgage and remortgage deals even if you have credit problems.
So if you have defaulted on mortgage repayments and you are in arrears, he should still be able to help you.
If you have outstanding County Court Judgements, he should still be able to help you.
If you are unable to prove your income, he should still be able to help you.
Put him to the test !

insurance types compared

Information on taking out remortgages

You will need to consider the following when looking at remortgages:

• You're property will have to be revalued. So remember to budget for a valuation fee. There may also be solicitors' fees and a loan application charge. However, you might be able to include these fees within the mortgage.

• Your existing mortgage may include 'redemption penalties' which must be paid before you can transfer your mortgage to a different lender. Redemption penalties are most commonly associated with discounted rate and capped rate mortgages. The penalties are an attempt to prevent borrowers from moving their mortgage elsewhere once the introductory 'discounted' rate has ended. If you have an redemption penalty, the mortgage advisor will take these into account within his recommendations.

Before deciding to remortgage you need to weigh up the benefits against the costs. But in most cases the benefits will greatly outweigh the costs.