Advanced Mortgage Services Ltd is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Advanced Mortgage Services is registered in England. Company registration number 4751565.

Cherry Tree House, 20 Inverleigh Road, Bournemouth, Dorset, BH6 5HA.

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David Hindmarch

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The basis of a re-mortgage is to change your existing mortgage from one lender to another without moving home.

The reasons to re-mortgage can be varied and could save you significant amounts of money.

These could include:

• Obtaining a lower interest rate or you may want a specific product such as a fixed, tracker, flexible or offset    product which is not available at a competitive rate from your existing mortgage company.

• You may wish to raise further funds to improve your home, purchase a car, or clear existing high cost loans or    credit cards.  

• Sometimes there may be a change in your personal circumstances which could require someone to be added or    removed from the property ownership and will necessitate a change in the mortgage as well.

• There may be a need to increase the length of your mortgage to reduce the repayments or ease the financial    burden during difficult financial periods.  

Other Factors to Consider:

Before proceeding with the re-mortgage transaction it would be advisable to first check a number of criteria, these include any existing redemption penalties with your existing provider and the total amount outstanding on your mortgage including any administration fees.

You also need to look at the costs involved when you move mortgage. These could include valuation fees, broker fees, arrangement fees and solicitors fees. You need to be aware that the new mortgage contract you are entering into is likely to include new redemption penalty periods. Also be aware of the lenders standard variable rate which your mortgage will revert to after the initial period.

All these factors will need to be taken into account and carefully assessed to establish the best options available and the benefits received. If you are contemplating clearing existing loans or credit cards with a re-mortgage or further advance you should carefully consider this as you will be securing the debt against your property as well as potentially extending the loan period which could increase the overall interest charge.

After fully assessing your individual circumstances I can explain the advantages and disadvantages of different re-mortgage products and options available. I can also explain in detail all the items above and how they will effect you.

Mortgage Home

What is a Mortgage?

Types of Mortgages

Buy To Let

Lending Criteria

First Time Buyer

What Will It Cost Me?

ReMortgage Advice Adviser Broker in Bournemouth, Christchurch, Poole, Highcliffe, New Milton, Lymington, Ringwood, Ferndown, Dorset and Hampshire.

Your home is at risk of repossession if you do not keep up repayments on a mortgage or any other loans secured on it and you should think carefully before securing any debts on your home

In regard to residential mortgages we normally charge a fee of 0.5% of the loan. This fee will be reduced by any commission received from the lender typically 0.35%. Fees would become payable on completion of the mortgage.