Has your current mortgage deal come to an end or perhaps it’s about to end? If so, you really should talk to us.
Should I stay or should I go?
We can help you compare what your current Lender can offer you to what a new Lender could offer. Our aim is to help you make the right choice and ensure you have the most suitable mortgage.
You may have to pay an early repayment charge to your existing lender if you re-mortgage.
Sometimes, the right advice may be not to change your mortgage at all. At Oak Tree Mortgages, we have the integrity to tell you this as we value our relationship with you over the longer term.
Could you be in for a nasty surprise?
Of course, you may think it’s too much hassle to spend 45 minutes talking to a Mortgage Broker and decide just to look online at what your current Lender can offer you. We can help you think ahead to avoid a nasty surprise further down the line. As an example, consider a customer prepared to accept a 5 year fixed rate from their current Lender. What about the potential early repayment charge that becomes payable if that mortgage is repaid during the fixed rate period? How would moving house three years down the line affect things? The mortgage might be ‘portable’, but what if your Lender couldn’t lend what you required to allow you to move? Arranging a mortgage online without receiving advice could lead to a very costly mistake.
You may be considering taking some money out of your property to carry out some home improvements. We can help with this.
Helping you with your Remortgage
We will provide you with advice about the different options available and will make a recommendation to you. If you decide to go ahead, we will deal with the mortgage application for you, liaising with the Mortgage Lender and helping you with any paperwork sent to you.
Our fees for arranging a Remortgage
If you are arranging a remortgage of a property in which you live, we make no charge as we are paid commission by the Mortgage Lender once you mortgage completes. If you are looking to remortgage a buy to let property, please refer to the buy to let section of our website.