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© 2019 Capital Assure Registered office: Beaufort Road, Rochester, Kent, ME2 3SW

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Capital Assure is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority

AN EQUITY RELEASE PRODUCT WILL REDUCE THE VALUE OF YOUR ESTATE, WILL NOT BE SUITABLE FOR EVERYONE AND MAY AFFECT YOUR ENTITLEMENT TO STATE BENEFITS. TO UNDERSTAND THE FEATURES AND RISKS PLEASE ASK FOR A PERSONALISED ILLUSTRATION 


As a broker we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and subject to your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to status and affordability. Our service is free to use, and we as a broker are paid set marketing fees each month from the third party brokers / lenders we work for to carry out financial marketing on their behalf.

A broker fee of £495 is normally charged by the broker we select to handle your quotation, depending on the complexity of the case - and is payable on completion of the mortgage.

Representative example: A mortgage of £90,000 payable over 25 years, initially on a discounted variable rate for 27 months at 0.98% (variable) and then on our current variable rate of 4.74% (variable) for the remaining 273 months would require 27 monthly payments of £338.37 and 273 monthly payments of £496.04. The total amount payable would be £146,489.00 made up of the loan amount plus interest (£54,554.00) and valuation fee (£205), completion fee (£1,495). The overall cost for comparison is 4.3% APRC representative.

© Capital Assure 2019. All rights reserved. Address: Beaufort Road, Rochester, Kent, ME2 3SW

Remortgage info


Raising additional funds or just simply bettering your current mortgage deal? a remortgage provides a number of advantages for saving money. Remortgaging is a convenient way to raise capital (where equity is available). Equity is the difference between the balance of your mortgage and your property value. It can be used almost like a credit facility that people can leverage. With a remortgage you can release equity and even increase borrowing under a new first charge mortgage arrangement. How much you can borrow will depend on how much equity you have available, and how much the lender is prepared to make available to you after assessing your ability to afford the mortgage payments etc.



Remortgage for a better rate


Funds secured on your home has always attracted the best rates advantages compared with unsecured loans or credit cards as the risk is much lower. It's also an option that, in recent years, has seen huge competition between lenders resulting in even more competitive rates being offered. A remortgage will just effectively replace your current existing mortgage, and because it is a new agreement, you may benefit from exceptional rates or an introductory offer. You could get a lower rate that is fixed for a period, or a discounted rate. However you must take into account early repayment charges that may apply to your current mortgage. Rates fluctuate, and finding the lowest rate isn't the only thing to consider when judging one mortgage against the other.

Capital Assure will be able to source you the best mortgage quote from the panel of lenders used by the broker your information is passed to. We partner with various brokers strategically to offer a great choice of UK mortgage lenders. Your application will be carefully examined and your needs matched to the lender who is most appropriate for your needs.



We search the whole market


Every lender monitors and updates its mortgage products almost daily in line with the governing economy, such as the housing market, currency rates or policies that are set by the Bank of England. All mortgages are subject to rate changes, and you're unlikely to be offered the same terms as your existing mortgage, whether you're on a variable rate or fixed. It's good advice to put loyalty aside and get the best deal on a remortgage that fits your needs, which may save you hundreds each month.



Get the best quote from UK mortgage lenders


It is usually the case that using capital improve your property makes good financial sense in the long run. Making home improvements and renovating your property has the potential to add value. There are so many other reasons why you may consider a remortgage to raise money. It may be needed to support a family member or finance a personal project, and in some cases to repay expensive debts. As long as there is a legitimate reason for borrowing, a remortgage can in many cases be an ideal way to raise finance.