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Remortgage advice and application service (switching your mortgage) |
Request a remortgage quote
Why use Smaart Associates to arrange your remortgage?
Smaart Associates will review your existing mortgage without obligation. We will only recommend that you switch your mortgage (remortgage) if it is financially worthwhile or if your existing lender is unable to help with your requirements:
Could you lower your mortgage repayments?
Interest rates are currently very low, especially for home owners with positive equity in their homes. Reviewing your mortgage could highlight possible savings in your monthly mortgage repayments.
Smaart Associates will take the hassle out of comparing the market and transferring your mortgage to a new lender. Although application fees will vary between lenders, we are usually able to find remortgage solutions that include a Free Valuation and a Free Legal Service.
Your dedicated adviser will reduce the time and hassle in applying for a remortgage by dealing with the lender throughout the application process. If you are thinking about switching your mortgage why not call us to discuss your options and let us research the market to find you your ideal remortgage.
Remember, our service is impartial, we work for you not the lender. For further information visit or about us page or why not take a look at what some of customers have to say about our service.
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Call us on 0800 756 9556 |
Frequently Asked Questions:
What is a remortgage?
A remortgage is the process of paying off one mortgage with the proceeds from a new mortgage using the same property as security.
How often should you review your mortgage?
You might have agreed to remain with your current lender for a minimum period of time. In general we recommend that you review your mortgage finance every twelve months and three months before your current mortgage product is due to end.
Why remortgage:
Remortgage to save money. By moving your mortgage to a more competitive lender you could reduce your monthly repayments.
Remortgage to raise extra money:
If you are looking to release some of the money tied up in your home a remortgage can be worth considering. You may wish to remortgage to raise funds to improve or extend your home or even remortgage to pay off your loan earlier. By restructuring your mortgage over a shorter period of time, you are likely to pay less interest to your lender.
Is remortgaging costly?
As with most mortgage applications there are fees involved. It is usual to pay a Solicitor and you might be expected to pay for the valuation of your property. Lenders may also charge you various fees specific to the mortgage scheme. The new lender may agree to pay some or all of the costs involved.
Some of the costs might include:
- Valuation charge
- Legal fees
- Arrangement fee (to lender)
- Early repayment charge or other penalty from your original lender.
How easy is it to remortgage?
It's very easy, firstly you should speak to your current lender to establish how much you owe on your mortgage and if any penalty would be charged if you change lender. The next step is to speak with a Smaart Associates mortgage broker who will compare the schemes being offered by your existing lender to those available in the whole of the mortgage market.
Remortgage Responsibly:
Before applying for a mortgage or remortgage it is important that you understand what your existing commitments are and how much you can afford in repayments for your mortgage.
A Smaart Associates Adviser will help you establish a budget for your new mortgage but to get started please try using our online budget planner.
Read our "key facts about our mortgage service" document
THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
Talk to us
Call our friendly team and we will help you find your ideal mortgage.
Important Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Smaart Associates is authorised and regulated by the Financial Services Authority and is entered on the FSA Register (www.fsa.gov.uk/register) under reference 300530. The FSA does not regulate credit cards, personal loans or some investment mortgage contracts. Some Buy To Let mortgages are regulated by the Consumer Credit Act (CCA).
By following some of the links from this site you may be directed to services provided by a third party. Where this occurs we are not responsible for the information provided and accept no responsibility for its accuracy.
Smaart Associates Limited is registered in England No: 4325522. Loans are subject to status, type and value of property. Insurance may be required. Minimum age 18.
The guidance contained within this website is subject to the UK Regulatory regime and is therefore primarily restricted to consumers based in the UK.
Head office:
Smaart Associates Limited
Sandy Farm Business Centre,
The Sands,
Farnham, Surrey,
GU10 1PX
Registered office: 6a Dickensons Place, London, SE25 5HL
Meetings by appointment only
Telephone calls may be recorded for training and monitoring purposes
As a mortgage broker we receive a fee from lenders with whom we place mortgage business. We arrange mortgages from £40,000 upwards with no broker fee as we keep the commission paid to us by the mortgage lender.