Moneybox Financial - Remortgage rates, Remortgage advice, Remortgage worries, Remortgage lenders, Fixed rate remortgage, Tracker rate remortgage.
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How much could you save by remortgaging?
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We
can help with: We can help you: The overall cost for comparison is 9.6% APR.
The actual rate available will depend upon your circumstances. Ask for
a pesonalised illustration. |
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Credit Problems Are you having problems finding a mortgage due to past or current credit problems? Moneybox could still help
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Self Employed Are you having problems finding a remortgage due to the difficulty in proving income? Moneybox could still help
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. All initial consultations are free of charge and we don't charge a fee for advice. If we arrange a mortgage, we don't typically charge a fee. However, depending on your circumstances we may charge a fee of up to 1.5% of the mortgage amount.
A remortgage is where you move your existing mortgage from your current lender to a new lender. This could be for any number of reasons:
If you are looking to remortgage your home for any purpose we can help. We have access to the whole of market which means we can find the best deal for your circumstances. We will process your remortgage from start to finish, completing much of the documentation for you and liaise with your current lender, your new lender and the solicitors to make sure that everything runs smoothly. We offer a fast and professional service, so speak to one of our remortgage specialists today. You may have to pay an Early Repayment Charge to your current lender if you remortgage.
Even if you have been turned down elsewhere we may still be able to help you remortgage, as the reason for you being turned down may not be to do with your circumstances, but to do with the lenders criteria. Just because you have been turned down for a remortgage by one high street lender does not necessarily mean you will automatically be turned down by another. With access to the whole of market we can help you find the right remortgage deal for your individual needs and circumstances. So speak to one of our fully qualified remortgage specialists today and see what they can do for you. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
If you have been turned down elsewhere for a remortgage because of a poor credit history or you have any of the following issues: Help is at hand. We have access to the whole of market for remortgages and have lenders within our panel who are sympathetic and are happy to consider your individual circumstances. So talk to one of our fully qualified remortgage advisers today and see what we can do for you. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
A self certification remortgage is where you are unable to prove your income to the satisfaction of the lender. This could be due to you not have 2 years account or your income coming from various sources. Because a self certification remortgage is higher risk to the lender you will pay a higher rate than a remortgage where you do prove your income. Speak to one of our fully qualified remortgage advisers today and find out if a self certification remortgage is the right type of mortgage for your circumstances. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
More people are becoming aware that when their existing mortgage deal comes to an end, their current lender may not be offering the best remortgage deal for their circumstances. You can save a lot of money by switching products to a cheaper remortgage rate, rather than staying on the lender's standard variable rate when your deal ends. If you have less than four months to run on your existing deal or your deal has already come to an end, it’s time to start looking for a remortgage. With over 100 lenders on the market and over 4000 different products on offer at any one time, remortgaging can be it very time consuming process. You also have to make sure that when comparing a remortgage product that you look at the rate as well as the fees (the total overall cost). Quite often the lowest remortgage rate may not turn out to be the cheapest option for you, once you take into account any fees the lender may charge. Why not leave it to the professionals. One call is all it takes and we can search the remortgage market for you in minutes taking into account your needs and preferences to find the best remortgage deals on the market. Then we work out from the best deals on offer which one is the cheapest for you, taking into account the rate and any fees if applicable. We also process your remortgage from start to finish, completing much of the documentation for you and liaise with your current lender, your new lender and the solicitors to make sure that everything runs smoothly. We offer a fast and professional service so speak to one of our remortgage specialists today. There may be an early repayment charge if you repay this mortgage within the special rate period.
Reduce your monthly payments / Debt consolidation If you are finding it difficult keeping up with your monthly payments on various credit commitments or you just want a bit more money left over at the end of the month, or maybe you just want to find the cheapest way to pay off your debt, then a remortgage could be a good way to achieve this. A debt donsolidation remortgage can help with credit commitments such as:
are often on a higher rate of interest. By consolidating these debts with a remortgage and keeping your total monthly payments the same, you could reduce the amount of interest you would pay. Alternatively if you main aim is to reduce your monthly payments, then consolidating your existing short term debts over the term of the remortgage will help you achieve this. However, it is important to remember that although your monthly payments would decrease, the total amount you would pay would increase by putting these debts over a longer term. Why not speak to one of our fully qualified remortgage specialists about a debt consolidation remortgage and they will be able to help you find the cheapest way to achieve your goals. There may be an early repayment charge if you repay this mortgage within the special rate period.
Why not speak to one of our advisers today and they will be able to advise you on the best way to raise the additional money you need. If at that point a remortgage is the cheapest way forward, then they will search the market place for the best remortgage for your needs. You may have to pay an Early Repayment Charge to your current lender if you remortgage.
Worried about future rate increases? Take advantage of a fixed rate remortgage to keep your monthly payments the same even if rates do change. If you would like to find out more about the fixed rate remortgage options available, then talk to one of our fully qualified remortgage advisers today. You may have to pay an Early Repayment Charge to your current lender if you remortgage.
If you are looking to raise additional money for any purpose then speak to one of our remortgage advisers and they will find the best deal on the market for your circumstances. You may have to pay an Early Repayment Charge to your current lender if you remortgage.
We realise that separation and divorce can have a very stressful impact on your personal circumstances, particularly where children are concerned. Having to deal with the emotions of such an event, is an all too often situation where finances may take a back seat, whilst you try to make headway. We offer a complete confidential service, whereby we take the pressures off you. We handle the processing of the remortgage, from initial application through to mortgage offer and remortgage completion, leaving you the necessary time to deal with your personal affairs. You may have to pay an Early Repayment Charge to your current lender if you remortgage.
Whether you are looking to raise a deposit for a holiday home, second property or a buy to let we can assist you. We have access to the whole of market which means we aim to find the best deal for your circumstances. We will process your remortgage from start to finish, completing much of the documentation for you, liaise with your current lender, your new lender and the solicitors to make sure that everything runs smoothly. We offer a fast and professional service, so speak to one of our remortgage specialists today. We can also help you with the mortgage on the purchase of your second property you are looking to purchase. You may have to pay an Early Repayment Charge to your current lender if you remortgage.
County Court Judgements (or CCJ’s as they are more commonly known) are registered when someone you owed money to, has taken legal action in the county court. The court decided you owed the money and that it must be paid by way of a court order. This CCJ is recorded and when you apply for credit, this information will be made available to the lender by the credit referencing company. If you have a CCJ registered against you, this can sometimes make it awkward for you to obtain credit. However there are many specialist lenders now available that understand these situations and are quite happy to lend within their agreed criteria. If you have difficulty in obtaining credit or you have a CCJ registered against you, use our specialist service to help you get the right deal for your circumstances. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
A default notice is a formal notice that is issued by the creditor to the borrower. It declares that the agreed payments have not been maintained in accordance with the original signed agreement and is now in arrears. A default notice sets out the arrears owed and gives a deadline as to when the payments should be recommenced. A default notice is normally issued when the account is more than 2 months in arrears (between 3 and 6 months), and will stay on your credit record for up to 6 years. Although a default is less severe than a CCJ, it can still have implications on you obtaining further credit. If you are experiencing difficulty in obtaining credit or you have a default registered against you, use our service to help you get the right deal for your circumstances. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
If you are a private or public tenant and your monthly rent has fallen behind, you may experience difficulty in obtaining a mortgage. The majority of lenders will require a 12 month history of your previous payments, basically to confirm that you are a regular payer and have been maintaining your payments. However if you have fallen behind through missing a payment or paying less than the full monthly payment required, you can still qualify for a new mortgage. This does very much depend on how many months have been missed in the last 12 months. If you are experiencing difficulty in obtaining a mortgage due to missed rental payments, use our service to help you get the right deal for your circumstances. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
If you have fallen behind with your mortgage payments in the last 12 months or have simply had to pay less than the full required mortgage payment, then you may have experienced difficulty in obtaining a new mortgage, or you may have been restricted to your current lenders Standard Variable Rate. However help is at hand. There are many lenders out there that understand that missed mortgage payments are now a common problem, and they have set up separate lending arms to deal with these situations.Obviously these secured loan deals won’t be as cheap as the high street ones. That being said if you have only marginal arrears, you will still be able to get a good deal. Talk to us about helping you get the right deal for your circumstances. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
If you have a loan secured against your house (separate from your mortgage), lenders will again take the last 12 months payment history into account. They will adopt the same attitude to missed secured loan payments as they do with missed mortgage payments (see above) So if you are experiencing difficulty in obtaining a mortgage or secured loan, then talk to us about helping you get the right deal for your circumstances. 10.1% APR Typical Variable
An Individual Voluntary Arrangement (or IVA) is a formal repayment agreement between a debtor (the person who owes the money) and their creditors (the people that are owed the money). The IVA is a legally binding agreement and allows the debtor to make reduced monthly payments to their unsecured creditors for the duration of the IVA (normally 5 years). An IVA is available as an alternative to Bankruptcy. During the IVA the creditors are legally bound to freeze any further interest or charges to the account. The creditors are also forbidden from contacting the client by mail, phone fax, or email as any correspondence must go through the appropriated IVA practitioner handling the case. If you have an IVA and are experiencing problems in obtaining a remortgage, then talk to us about helping you get the right deal for your circumstances. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
Bankruptcy is an option that has to be considered when an individual cannot pay their debts as they fall due. Bankruptcy proceedings could help free you from overwhelming debt and also make sure that your assets are shared out fairly among your creditors. You will remain a bankrupt for a minimum of 1 year and then normally be automatically discharged. It is at this point that you can be considered for a mortgage. If you are a discharged Bankrupt and are experiencing difficulty in obtaining a secured loan, than talk to us about helping you get the right deal for your circumstances. The overall cost for comparison is 9.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
If you do not regularly pay your credit commitments on their due date, but do instead pay within the calendar month that they fall due, this will not count as a missed payment but it can certainly be recorded on the credit register as a Slow payment. The implications of this are that it could lead to a possible rejection of your credit or remortgage application with a high street lender, as the majority of these companies work on the basis of an automated credit scoring system. If you have been declined due to a low credit score or slow payment record, then talk to us about helping you get the right deal for your circumstances. The overall cost for comparison is 9.3% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
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Moneybox
Financials Limited: Registered in England No. 5492975. Registered address:
Ground Floor, Bancroft Place, 10 Bancroft Road, Reigate, Surrey, RH2 7RP. |