Remortgage in Nottingham

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What is a remortgage?

A remortgage is when you transfer your existing mortgage from your current provider to a different provider whether or not you borrow any more money or not.

why is it beneficial?

In short, to save money, your property may have grown in value and you may be eligible to get a better rate of interest. Lenders will usually use a property price index and this may or may not be in your favor. Getting your property physically inspected will usually cost a valuation fee. Most lenders will usually pay for you to transfer the mortgage to them and offer free legal and free valuations.

can I just pick a new rate from my current lender?

Yes, most lenders will offer you another rate to stay with them. This is called a product transfer, however, this may not be the cheapest. Speak to us and we will confirm the best solution for you.

why ask us?

We act as the middleman between you and the bank. With our experienced advisers, we understand your situation and budget. We’ll put together all the information you need by spending time with you to get everything perfect.

We will need to get to know you and understand your past present and future plans, aspirations to advise on the best solution and why.

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HOW DOES THE

Remortgage

process work?

1

INITIAL CONTACT

We will review your current situation provide you a list of all the relevant documents required to get things going.

Once all documents have been received we will discuss the different types of mortgage schemes such as fixed tracker flexible mortgages, repayment methods terms, and establish a budget and your priorities.

We will then seek to get an Agreement in Principle from a lender that has matched your requirements

2

PROTECTION

We will discuss your protection requirement, review your current arrangements with any existing providers ask questions like what you benefits are provided your current employer.

3

APPLY FOR YOUR MORTGAGE

We will provide you a mortgage illustration based on your needs priorities and circumstances and ensure you are happy before any mortgage application has been submitted.

When the application has been submitted we will send all the required mortgage paperwork to get the mortgage approved as quickly as possible.

4

VALUATION

Your new mortgage lender will want to assess the suitability of the mortgaged property.

This will depend on the amount of equity within the property and construction type.

The Valuation can be done electronically however majority of the time does require a physical inspection.

5

MORTGAGE OFFER

Sit back and relax.

You have successfully been approved your mortgage by the bank.

6

REVIEW

Speak to us to ensure all arrangements are in place before completion.

7

COMPLETION

This is where the your Previous Mortgage Provider has been paid by your New Mortgage Provider

Whilst Robin Hood Mortgages Ltd take all reasonable steps to ensure the accuracy and timeliness of the information contained on this website. We cannot guarantee this and accept no liability for any errors or omissions. Any information provided on this website is for information purposes only. Full advice and recommendation can only be obtained by a suitably qualified adviser. Under no circumstances should any of the information contained within this website be construed as advice. You should seek professional advice in respect of your own circumstances. The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

think carefully before securing other debts against your home.
your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Robin Hood Mortgages Ltd is Authorised and regulated by the Financial Conduct Authority under reference 987739. You can check this on the FCA’s website www.fca.org.uk or by contacting the FCA at 0800 111 6768. The firm is registered in England & Wales at P.O. Box 11018, Nottingham, NG5 0NE. Telephone: 01156 712351 under reference 11416342.

If you wish to register a complaint please write to the address above or email us on info@robinhoodmortgages.co.uk

A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

Although Robin Hood Mortgages are regulated by the Financial Conduct Authority, Business Finance, Loans and most buy-to-let and offshore mortgages are not regulated by the Financial Conduct Authority.

A Protection plan will have no cash-in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse and you may not be covered if a claim is made.

We do not charge a fee for residential mortgage advice. We charge an administrative fee for processing each of your mortgage contracts; our fees only apply when you decide to go ahead with an application.

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