- Self Cert Remortgage Deals
- No Proof Of Income Remortgages
- Remortgage without Payslips
- Self employed remortgage deals
- Fast decision apply today
Being self-employed can provide you with independence and the freedom to build you own business. However for many self-employed homeowners they have always encountered problems remortgaging, as the amount they earn is not reflected in their yearly accounts.
Some lenders require 3 years audited accounts if you are self employed. However there are lenders who understand the problems of being self employed and will provide a remortgage without payslips or proof of income, if you have a high credit score and at least 15% equity in your property.
Self-employed remortgage deals, often referred to as Self Cert remortgages, permit people who have irregular or difficult-to-prove income to declare what they earn without providing evidence through P60s or payslips.
A range of remortgages for the self-employed is available, self cert mortgage lenders provide both fixed rate mortgage deals for the self employed and variable rate. You can also apply for self cert interest only mortgages depending on your particular circumstances.
For more information and advice on self certification remortgages and to see if you qualify, enter your details in the contact us form or call 01202 512340 and speak to out specialist self cert mortgage brokers today.
Anyone with a mortgage in the UK will know what a huge financial commitment this is, and it is important to ensure that you have the right mortgage because of the long term nature of this type of loan.
However, remortgages deals can change a lot as time goes on, and what may have seemed like the perfect remortgage rate once may now appear to be expensive or unsuitable. For those that find their remortgage needs have changed or that there are better deals out there a cheap remortgage deal can provide an effective and affordable solution.
Many people that wish to reduce their repayments or move to a cheaper rate mortgage decide to look at remortgages, and this is where the existing mortgage is moved to another lender.
You may have debts that you want to consolidate with your remortgage or looking to remortgage to raise money for a new car or home improvements. Now is the time to lock into a low rate remortgage deal.
Remortgages are available for those with good credit as well as those with a bad credit history. However, if you have an adverse credit history or a poor credit rating you will find fewer deals available to you and you will probably have to pay higher interest rates than someone with good credit.
Remortgages have become an effective way for many people to cut down on their mortgage repayments and enjoy a better deal on their home loan, and with the right remortgage you could save a small fortune over the long term. There is also a relatively new alternative to remortgages which is this should also be considered before completing your remortgage.
For more information about remortgage deals in the uk speak to our brokers for the latest remortgage rates. Enter you details in the contact us form
Once you have completed the brief enquiry form, we will contact you to discuss your options. Or call 01202 512340 lines open 9am - 7pm Monday to Saturday and speak to a mortgage broker now.
Switch mortgage to Interest only
Change mortgage to interest only
Remortgage to interest only
Some lenders will let you remortgage to an interest only mortgage without a repayment vehicle in place. In the past an interest only mortgage had to be covered by an ISA, Endowment or pension plans. Many interest only mortgage lenders will let you overpay on your mortgage balance each month by 10%.
Are you looking to remortgage to and interest only mortgage and not sure who to ask for help. Switching your mortgage to interest only is a great short term solution if you are struggling with payments due to illness, unemployment or divorce. As mortgage brokers we have access to the whole of the market.
For many people remortgaging to interest only can be the light at the end of the tunnel if you are struggling under a sea of debt and need to lower your monthly mortgage payments quickly, switching to interest only can be a good option.
Interest only mortgages are available for both employed and self employed, you can also remortgage to interest only with bad credit. For people with CCJ’s, Defaults, late payment or arrears showing on their credit file rates will be higher.
Interest only mortgages rates are the same as for repayment mortgages with fixed rates deals, discount rates and tracker rates available.
For more information on the best interest only mortgage deals in the UK speak to our mortgage advisors today 01202 512340
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Who doesn’t?! If you would like to lower your mortgage payments, or cut the overall cost of your mortgage payment, you’ve probably already found that doing so can be a long winded process. Changing mortgage does not have to be complicated here at J P Financial we take the stress out of remortgaging.
Switch lenders and save money
Are you aware you could considerably reduce your mortgage payments by changing to a new mortgage lender? If your current mortgage is not tied in and you are on your lenders standard variable interest rate, switching lenders with a remortgage could save you thousands of pounds in mortgage repayments over the life of your loan.
Pay less for your mortgage each month
Most people know that the best way to keep your monthly mortgage payment low is to find the cheapest mortgage deal available. What a lot of people are aware of however, is that there are a few other, less obvious ways to keep your mortgage costs low. Avoid paying high valuation fees, legal coast or lenders arrangement fees. Some mortgage lenders will pay the cost of a standard valuation, provide a cash back to wards legal fees.
Remortgage for a better rate of interest
Has your current mortgage lender lost its competitive edge when offering new mortgage deals? If so, remortgaging for a more competitive rate with a new mortgage provider is a great way to save money on your monthly mortgage payments. It is possible you might be paying unnecessary mortgage rates, which over the life time of your loan can cost up to tens of thousands of pounds.
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