Xpress Mortgage Solutions

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Get a better deal on your mortgage.
Take advantage of the competition between mortgage lenders and reduce your monthly mortgage payments. When you reach the end of your mortgages tie in you will be transferred onto your lenders higher variable rate and this could cost you hundreds of pounds extra per year. By re-mortgaging you can lower your mortgage interest rate and reduce your monthly payments.

No lender fees.
Lenders today are offering fee free Remortgage products; lenders will pay for your legal fees, valuation costs and include the administration into fees to the loan.

Release equity
Take advantage in the growth of your properties value by releasing capital. Fund raising re-mortgages are popular today and can allow you to consolidate debts or borrow extra funds for any use.

Re-Mortgage advice
Our Advisors will asses your individual needs and recommend a re-mortgage product from the whole of the market. Some other points for you to consider regarding re-mortgaging:

Watch out for early repayment charges (ERC’s) on your existing loan; contact your lender to find out if you are tied in and the possible costs of leaving them.
Debt consolidation may save money in the short term as you will be paying a lower interest rate than personal loans and credit cards, however over a longer term (e.g. 25years) this interest may add up to be larger.
Some lenders may not offer a free re-mortgaging service; you may have to pay valuation fees or legal costs.
Are you consolidating individual debts under a joint mortgage? Remember you are transferring that debt into both owners’ names.

Other options
A couple of alternatives to re-mortgaging are home owner loans or further advances from your existing lender

Xpress Mortgage Solutions Ltd FSA no: 442108 is an appointed representative of GHL Group who are authorised and regulated by the Financial Services Authority

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