We start with a chat at your convenience, gathering the basic information we need to kick off our journey.
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We help you understand your current mortgage, explore options for a better deal, and provide expert advice on when and how to remortgage. Whether it’s lowering your monthly payments, releasing equity for a project, or simply optimising your financial situation, we ensure you make informed decisions that align with your goals. Trust Mercian to simplify the complexities and help you navigate your first remortgage journey with confidence.
Enlisting an independent mortgage adviser will not only source the best rate for you but also support you through the whole process of purchasing your home – a stretch too far for most banks.
At Mercian, our expertise saves you time, stress, and potentially money. We have access to an extensive network of lending options beyond high-street banks, including lesser-known but valuable lenders. With so many choices at our fingertips, we find the best possible deals for you.
From paperwork to negotiations, we’re here to ensure a smooth journey to your dream home or investment.
How our advisers work:
We start with a chat at your convenience, gathering the basic information we need to kick off our journey.
Then, we dive into the marketplace, researching to present you with options tailored to your needs, and even giving you an idea of the maximum amount you could borrow if you’re not sure about the property.
As you find your dream home and your offer is accepted, we spring into action. We submit a thorough application to your chosen lender and recommend safeguarding you against life’s twists, covering mortgages, buildings, contents, and you – with buildings insurance being a must.
But our support doesn’t stop there. Mercian guides you through the next steps. From working with estate agents and solicitors to keeping you in the loop with mortgage lenders, we’re here every step of the way, ensuring you’re informed and confident until you finally hold the keys to your new home. Our team help you turn the unfamiliar into the unforgettable.
1. What is a remortgage and why should I consider it?
A remortgage involves switching your existing mortgage to a new deal, often to secure better rates, release equity, or adjust terms to your current financial situation.
2. When is the right time to remortgage?
The timing varies. Many consider remortgaging near the end of their current deal, but it’s wise to review when your financial situation changes or rates become more favourable.
3. Will I save money by remortgaging?
Remortgaging can potentially save you money if you secure a lower interest rate or better terms. It’s important to calculate any associated fees against the potential savings.
4. Can I release equity through a remortgage?
Yes, remortgaging can allow you to release equity from your property, providing funds for home improvements, debt consolidation, or other financial needs.
5. Do I need a solicitor when remortgaging?
While not always necessary, legal representation is recommended to ensure the process is seamless and all legal aspects are handled correctly.
Securing a mortgage can often feel like a daunting process, especially when it is your first time. Our mortgage advisers work closely with you to understand your needs and support you in choosing the best solution that feels comfortable for you. Contact us to get started with one of our specialists.
Buy-to-let (BTL) is an ideal investment opportunity, with options to secure the property in your personal name or limited company. We work out the numbers for a 25% deposit and factor in the additional payable Stamp Duty and tax on any earnings in a full assessment to make sure you have everything in place for your next venture.
Is your mortgage rate about to expire, or already has expired? Are you looking for financial options to carry out home improvements? Our independent advisers fully review your current offering to ensure you stay on track for repaying your mortgage at the best possible rate.
Thinking about moving soon? Get prepared to take the next step when you feel ready. Speak to our team for guidance on the process and to receive a financial estimate of associated fees with moving. This example will include dealing with estate agents, solicitors, and mortgage lenders.
Bridging is a short-term solution often used when a financial turnaround is needed fast, such as for saving a collapsed chain or buying an uninhabitable property. The option is available to buyers and investors who meet certain criteria. Contact our team to discuss your requirements and find out whether bridging could be the best alternative for you.
Mercian FS
61 Ecclesbourne Drive,
Buxton,
SK17 9BS
Mon – Fri: 8.00 – 20.00
Sat: 10.00 – 16.00
Sun: 10.00 – 14.00
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Mercian FS is authorised and regulated by the Financial Conduct Authority.
FCA Number: 945072
Registered in England & Wales. Company Registration number: 13188482.
Registered Office: 61 Ecclesbourne Drive, Buxton, SK17 9BS.
© 2022 Mercian FS. All rights reserved.
Mercian FS is authorised and regulated by the Financial Conduct Authority.
FCA Number: 945072
Registered in England & Wales. Company Registration number: 13188482.
Registered Office: 61 Ecclesbourne Drive, Buxton, SK17 9BS.
© 2022 Mercian FS. All rights reserved.
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