Interest only or Repayment Deals

Employed or Self employed

Compare Tracker rate remortgages today

Are you a homeowner looking to secure a new deal for your current mortgage, we can provide you with a wide range of tracker rate deals from the whole of the market. Tracker rate mortgages can be for 2, 3 or 5 years.

When looking at tracker rate remortgage deals there are a number of considerations that you need to take into account. Some lenders will offer market beating tracker rates to propel them to the top of the best buy tables. But often there will be hidden clauses that could make the deal potential more expensive than you first thought.

Here at J P Financial we take the time to analyse all of the deals available, using specialist software that compare deals on a number of levels.  Not only saving you time and money, but making sure that the tracker rate mortgage deal is the most suitable for your situation.

If you would like more information on the best uk tracker rate remortgage deals click here to enter your details and request a call back from an FSA regulated mortgage broker. Or for more immediate advice and help call 01202 512340 now and speak direct with us.

Interst only or Repayment Deals

Employed or Self employed

Compare fixed rate remortgages today

Are you a homeowner looking to secure a new deal for your current mortgage, we can provide you with a wide range of fixed rate deals from the whole of the market. Fixed rate mortgages can be for 2, 3, 5 and 10 years.

When looking at fixed rate remortgage deals there are a number of considerations that you need to take into account. Some lenders will offer market beating fixed rates to propel them to the top of the best buy tables. But often there will be hidden clauses that could make the deal potential more expensive than you first thought.

Here at J P Financial we take the time to analyse all of the deals available, using specialist software that compare deals on a number of levels.  Not only saving you time and money, but making sure that the fixed rate mortgage deal is the most suitable for your situation.

If you would like more information on the best uk fixed rate remortgage deals click here to enter your details and request a call back from an FSA regulated mortgage broker. Or for more immediate advice and help call 01202 512340 now and speak direct with us.

To qualify for a buy to let mortgage, lenders have a different set of criteria they use to determine affordability.

The property must achieve a rental income that will sustain the mortgage payments. In recent years this has varied between 100% and 125% of the monthly mortgage payment.

If the monthly mortgage payment for your buy to let property is £100, then you would need to achieve a rental income of £125 if the lender has requested affordability to be 125% of the monthly mortgage payment.

Mortgage lenders criteria changes on a regular basis, for more information on criteria, rates and deals click here and enter your details to request a call back  or call 01202 512340 lines open 9am - 7pm Monday to Saturday and speak to a mortgage advisor now.

What we can do for you
Our aim is simple: It is to help you sell your property quickly. We can buy your house direct, to a timescale that suits you. We are a professional and reliable company with nationwide coverage.

How We Can Help
If you need to sell a house quickly, or to sell and rent back, you might be in any one of these situations:

Relocation: most of our clients have come to us wanting to sell a house quickly so they can move abroad or relocate to another part of the UK without the hassle of entering into a chain.
Facing Financial Difficulty: wanting to repay debts, hence selling and renting back might appeal to you.
Facing Repossession: it could be that you want to stop a repossession and need a home sale solution that will help you release equity and enable you to stay in your home long-term.
Going through a Divorce: even though the property needs to be sold you might want to continue living there, so the sell and rent back scheme could work for you.

How to Achieve a Quick House Sale
You’ve made the decision to sell your house quickly. Now comes the hard part - getting buyers interested enough in your property to put an offer in for a quick sale.

Traditionally, house sales in the UK are made through estate agents. The process can be quite protracted. It can be costly too, the estate agent taking a percentage of the price as payment for their property selling services. When you want to sell your house quickly this might not be the best route to take.

An increasingly popular alternative to selling your home through an estate agent is to advertise it for direct sale on the internet. There are many websites that now offer a ‘for sale by owner’ service. It certainly makes it cheaper to sell your house than through an estate agent, but it is still no guarantee of a quick sale.

The quickest and simplest route is to contact us as we have cash buyers waiting to purchase your property. We can complete in under 28 days.

For more information on this service please call 01202 512340 today.

For many people running up debts on credit cards loans, store cards and other types of finance can be a big worry, the monthly bills keep coming and the debts just seem to get bigger and bigger. You may think there is no way out of this situation. Dont worry there are options available to you. What ever your situation contact us to day and speak with experienced people who understand.

Debt consolidation remortgage

With a debt consolidation mortgage you can release the equity tied up within your house to clear your debts. As mortgage rates are normally cheaper than any other type of finance this can be a good option.

Secured loan

Another option for homeowners is to apply for a secured homeowner loan to consolidate their finances. These types of loans are also known as second charge mortgages. If you are currently tired into your current mortgage deal and have high exit penalty then this type of consolidation loan can be a better option.

IVA

Individual Voluntary Arrangement is a legal and government approved method of resolving debt that avoids the consequences of being made bankrupt. If you have over £15,000 to 3 or more creditors and can not afford to make the payment then you may be eligible for an IVA.

Debt Management Plan

A typical DMP consolidates all of a debtors unsecured debts into a single and more affordable monthly repayment which is then paid to creditors on a pro-rata basis over an agreed period of time. This payment is carefully calculated by a trained debt consultant who, with the debtor’s assistance will thoroughly review their current financial position before suggesting a figure that will put the debtor back in financial control.

For more advice on debt management Call 01202 512340 lines open 9am -7pm Monday to Saturday, or complete the contact us form to arrange for an adviser to call. contact us

Home improvement loans will serve their purpose well if you take them for any of the following reason -

• Adding a new room like a bedroom
• Adding or remodeling a bath
• Adding or enclosing a garage
• Improving the kitchen
• Landscaping
• Health and safety repairs
• Electrical and Plumbing
• Roof, gutters, sewer or water lines repairs

Home improvement not only provides comfort and peace but it increases the value of your home. Home improvement help to build equity and achieve financial security.

Remortgage Release Equity For Home Improvements

Are you looking to raise money for a new extension to your home, carry out home improvements or raise further funds to complete the work already started.

As a homeowner you have a number of options available to you to increase the value of your property. You could remortgage to release equity for a loft conversion; some people take out a further advance to build an extension. You could remortgage release equity to paint and decorate.

Apply for a homeowner secured loan

Using a Secured loan for home improvements is a great option if you are currently tied into your existing mortgage and face heavy redemption penalties for leaving early. With a second charge home owner loan you can raise the money you require, complete your home improvements and then when you are free of redemption penalties consolidate the secured loan into your mortgage.

Remortgage to pay for a new Bathroom or Kitchen

Another option that many home owners choose is to simply remortgage and release the equity built up to pay for a new kitchen or bathroom. Remortgage for home improvements are available for interest only and repayment mortgages. There is a choice of fixed, tracker and variable rate mortgages available.

For more advice on which home improvement mortgage would be best for you contact our mortgage advisors today to discuss your requirements. Call 01202 512340 lines open 9am -7pm Monday to Saturday, or complete the contact us form to arrange for a mortgage adviser to call.
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Most lenders these days will offer around 3 and 1/2 times your income for a new mortgage. However there are some lenders who will lend up to five times your income depending on credit score and deposit/Equity.

These days lenders have more sophisticated ways of calculating how much they will lend; it is nearly always taken on a case by case situation. Affordability is the keyword and many factors are now taken into account when lending such as:

Single or joint application

Do you have any children

How much credit has already been extended to you.

Your credit score

Employment status

Are you a professional (doctor, accountant, solicitor)

If you would like more information or to see if you qualify for a high income multiple mortgage call 01202 512340 lines open 9am -7pm Monday to Saturday, or complete the contact us form to arrange for a mortgage adviser to call.

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Interest Only Mortgages

Fixed and Variable Rate Mortgages

Mortgages For the Self Employed/Freelancers

Consolidate Car Finance With A Remortgage Today

Do you currently have a car loan or car finance that is not on a good rate of interest many car finance loans do not offer a favourable rate of interest.  A good way of lowering your monthly payments is to consolidate your car loan into your existing mortgage.

A remortgage to clear car finance can save you money on a monthly basis, some people remortgage to clear the balloon finance of a car purchase.

If you are looking at consolidating your car loan with a remortgage speak to our mortgage advisors today they will be able to help you with advice and recommendation on which type of remortgage will be right for you.

Remortgages for consolidating car loans are available on repayment or interest only basis and can be taken over 5 - 35 years depending on age. You can remortgage if you are self employed or can not prove all of your income. You may have had bad credit in the past and would now like to repay your car loan.

What ever your situation give our mortgage brokers a call today to discuss the best rates available for your own situation.

Having the money to make the monthly payment is not the problem, but keeping on top of all the direct debits can be. Making sure and cheking all payments hacve been made can be time consuming and costly.

A solution to this is to consolidate all of your out standing debt with a remortgage. A debt consolidation remortgage can save you a lot of money, not just for day but far into the future. Interest rates for mortgages are generally a lot lower than other forms of borrowing.

For more information on consolidating your loans, credit cards and other borrowings into your mortgage contact us today. We can provide you with debt consolidation remortgage advice and help you get your finance back in shape.

For more information on the best remortgage deals in the UK speak to our mortgage brokers today or enter your details in the contact us form to request a call back.

Are you looking for a new interest rates for your mortgage, has your current mortgage deal come to the end or close to the renewal date.

For many people sourcing a new remortgage rate can be a long and arduous task, even after all your searching how do you know you have found the best remortgage rates.

Here at J P Financial we use the most up-to-date bespoke mortgage sourcing software. We can provide you with as many remortgage rates as you require. There are many benefits to using the services of a mortgage broker to find you a new mortgage deal.

Points to consider when looking for a new remortgage rate

1.      Will the lender cover the cost of the valuation fee

2.      Dose the lender offer a free conveyancing service for remortgages

3.      Lenders arrangement fees, some lenders will offer a headline mortgage rate but for them to do this they front load the mortgage with high arrangement fees.

4.      Booking fees some mortgage providers will charge £200 upfront to process your mortgage on top of all their other costs.

For many people they will be restricted from accessing the best remortgage rates due to a number of reasons. They may have bad credit, missed payments on a mortgage or loan, Defaults and late payments on credit cards.

As mortgage brokers we have access to lenders who provide mortgages for people with an impaired credit history. You may not be able to access the best remortgage rates in the UK but we will find you a remortgage rate that fits your credit profile.

Are you self employed and need to remortgage, for many self employed people it can be difficult accessing the best remortgage rates if you can not prove all of your income. We have access to lenders who provide self cert and certification remortgage rates for people who are self employed, contractors or directors of limited companies.

For more information on the best remortgage rates in the UK enter you details in the contact us form Once you complete 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.