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Making the most of your biggest asset

Remortgaging doesn’t have to be complicated – all you need is good professional advice! 

For most people, your home is the most expensive item you’ll ever buy, and probably your biggest asset. Remortgaging can help you use that asset to your own advantage – and Crawford Mulholland has the expertise to help you do just that. 

Remortgaging sounds complicated but, put simply, this simply refers to the process of switching your existing mortgage to a new deal, using your property as security. More than half of UK homeowners overspend on their mortgage by not remortgaging at the end of their term, and going into the standard variable rate, but we are here to help you ensure that your mortgage rate is the best it can be. 

There are many benefits to remortgaging, but also some pitfalls to consider. When you remortgage, you may increase your monthly payments; you may be charged an arrangement fee on the new mortgage; and if your existing mortgage hasn’t yet reached the end of its term, you could also be charged exit fees. 

With our help, you can weigh up the pros and cons, and ensure that you are making the right decision for you. Some common reasons to remortgage include:

  • Your deal is coming to an end – we recommend contacting us before your current mortgage expires
  • To change the term of the mortgage aim to pay your mortgage off earlier, or extend the term for a less expensive rate
  • Changing mortgage type to buy-to-let should you decide to rent out your property.

You may have to pay an early repayment charge to your existing lender if you remortgage. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

I first reached out to Mark around 8 years ago when purchasing my first house. Since then, Mark has helped us with several house purchases, both personal and investment. His knowledge of the industry is unrivalled, and has been able to secure the best rates out there. His impartial advice has also helped us enormously, and his professional, no-hassle approach makes doing business a pleasure. Thanks Mark!

Tim Andrew

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How Can We Help?

Whatever your reason for remortgaging, Crawford Mulholland will walk you through the process, supporting you at every stage. If you took our your initial mortgage with us, we will keep an eye on your mortgage account and contact you before the end of your “fixed term” to discuss your options. This will give you time to consider your options, without being rushed into any hasty decisions. 

Our vast experience in mortgages, coupled with our great relationship with local estate agents, means that the valuation figures that we source for you are as accurate as possible in obtaining the best loan to value deal, and you’re assured of a first-class service.


Get In Touch Today

Want expert help with a mortgage or remortgage? Contact us today for a free initial appointment. In just a few minutes, we can go through your details over the phone and give you an indication of the mortgage options that are available to you.

Call us now on 02890 665544 to set up an appointment.

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