If you are nearing the end of your current deal or paying your lender’s Standard Variable Rate (SVR), then you could find that remortgaging could save you money.

We can offer impartial advice as to whether you could move to a lower interest rate, reduce your monthly repayments, release equity or even shorten your mortgage term.

Whatever your reason for looking at remortgaging, we offer honest, impartial advice and will scour the market on your behalf to find the best mortgage products for you.

At Pulsar Financial Services we have access to a comprehensive panel of lenders and can assess whether your current lender is right for you and look into the possibility of changing to a better deal.

Why remortgage?

There are several reasons to remortgage:

To avoid moving home.
Taking into account the costs of moving, such as solicitor fees, estate agency fees, removals costs and stamp duty, it could make more financial sense to remortgage and release equity to improve or extend your home.

To save money.
By changing lenders or even staying with your existing lender but moving onto a different deal, you could reduce your monthly repayments, potentially making significant savings.

To consolidate.
By remortgaging you could release equity and repay any debts that are charging higher rates of interest than your mortgage, such as car loans or credit cards. We can take a look at your existing debts and work out if this is financially beneficial long-term, ensuring that you will repay less over time.

To shorten your mortgage term.
With interest rates as low as they are, now could be a great time to consider reducing the length of time you have left to repay your mortgage. Ultimately meaning the mortgage is repaid more quickly and quite likely saving you thousands of pounds. This can be achieved in a variety of ways, including the use of an offset savings account to run alongside your mortgage.

Whether you have had your existing mortgage for an extended period of time, or you are just at the end of your redemption period, changing to a new product can often be beneficial. Whatever your reasons for remortgaging, we can help.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST FORMS OF BUY TO LET MORTGAGE.

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service these services may be more suitable for you.

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      Mortgage Protection

      It is crucial to protect your new home, your income and your mortgage. We offer you free independent expert advice, explain your options and help set up your policy.

      Solicitors

      Having previous experience of working in the conveyancing legal sector, we have a great understanding of the legal process of buying, selling and remortgaging a property.

      We can recommend very competitive conveyancing firms who will be able to provide all the legal advice you need

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