Read our 308 Reviews
There are lots of reasons why some of our customers choose to remortgage with us. The two most common are to raise equity from their home or to secure a more competitive mortgage deal. Whether you are simply looking to remortgage in Halifax for a better mortgage deal, fix your rate, looking to add or remove a name from a mortgage, looking to raise additional money for those home improvements or something else along them lines, we are usually able to help.
There are some attractive deals out there at the moment some of which you could easily be missing without the right guidance such as from a Mortgage Broker in Halifax so whether you are just looking for quotations to consider your options, or are having problems with a current remortgage application, our friendly team of mortgage advisors are ready to answer all of your questions. They will be able to search 1000’s of remortgage deals from a large number of lenders in order to recommend the most suitable mortgage deal for you and your situation to make sure you come out on top.
Whether it’s to release equity, to get better rates, find a more appropriate deal or more, we’ll always go the extra mile to ensure the process is quicker and smoother than the first time.
You should think carefully before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.
Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.
Contact us today to book your free remortgage appointment in Halifax & see how we can help you.
We are here to help you whenever you need us. Get in touch with us today and make a date for your free mortgage appointment.
4.97 Rating308 Reviews
Anonymous
The team are very clear and informative giving us the help we needed as first time buyers. We had regular and prompt updates on the whole process and great communication from Tom and Meghan.
Alex
Uk money have again gone above and beyond. We have had a difficult mortgage application on an 2nd property this time and they have been there every step of the way! This is the 3rd time over the years they have been there for us! It’s a shame...
Rachel
I have used UK money man a couple of times now and I can’t recommend them enough! Brilliant service, quick responses and always keep you updated. They make something which is quite stressful much easier and relax and talk you through every step of...
Charles
They made it a very simple process. Can’t recommend highly enough.
Tom
Extremely efficient and have made the whole process a lot easier than I imagined.
Rebekka
The whole team have been great and supported us through a tricky application in a tough climate. Our personal handler Tom maintained comms with us throughout add was always willing to help and answer any questions we had. We would recommend using...
Paul
Extremely efficient and helpful.
Gill
I have nothing but praise for the help given by our financial advisor, Dan. He was incredibly knowledgeable and sensitive to our needs. He gave us a lot of different options and we are considering our next move and will be in touch when we are ready...
Anna
As first-time buyers, my partner and I can not thank UK Moneyman enough for all their help with buying our first house. Jason and Jo basically held our hands through the whole process, explained everything to us in simple terms and were completely...
Dean
Our advisor Dinah was incredibly helpful and refreshingly honest from start to finish. We've previously used a mortgage advisor who we'd been disappointed with. He was hard to contact and I often found myself chasing him. This couldn't have been...
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
Victoria
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
John
UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
Antonia
Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...
A dedicated mortgage advisor in Halifax will carry out a Fact Find to work out what your personal needs are prior to recommending the most suitable mortgage for you. In order to get an Agreement in Principle, you’ll be required to have a credit check. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can be formally issued a mortgage offer.
Your free remortgage consultation in Halifax will usually last no more than around 30 mins. Your mortgage advisor will then help you compare deals and decide what the best plan of action going forward is. If you wish to back out at any point, you have the freedom to do so; there is no obligation to proceed.
Your remortgage fees will be more or less the same as your initial mortgage, though your dedicated Mortgage Advisor in Halifax will run through the fees with you anyway, taking them into consideration when comparing the savings of the new deal versus your current mortgage.
If you are looking at some future financial planning or home renovation like debt consolidation or Home Improvements, you may be eligible for a second mortgage. It can be possible to take out a mortgage on a second property for your own use, for a family member, for a holiday home or even for a Buy to Let.
If you have had a recent history of credit problems a mortgage may still be within reach, though you may possibly be required to put down a higher deposit than usual. We find that this figure is commonly around 15% of the property purchase price.
If you have accrued any debts over the course of your mortgage term, you may have the option available to you to remortgage and increase the size of your mortgage to pay them off. This is not something we recommend rushing into though as there are downsides to it. We would highly recommend that customers always look to seek specialist Mortgage Advice in Halifax before consolidating any of their debts!
If you are on your lenders SVR (Standard Variable Rate of Interest) you may possibly have the chance to save money. One of our dedicated advisors will compare the new products available against your current mortgage deal, in order to work out what your savings may be. If you have any existing equity in your property, a remortgage also gives you the opportunity to release some of this money if it is needed for anything, with popular options being things like home improvements.
It will typically be the last three payslips for employees to prove their income to the lender and the latest 2 years’ accounts if you’re a Self-Employed applicant. You will also need to provide your mortgage lender with some proof of ID, address and 3 months’ bank statements.
An initial telephone call where we take some details and look at your Remortgage plan.
A discussion about your personal requirements. You already own the property this time around, you can avoid the property chain!
We will search and compare 1000s of products to find you the most appropriate deal.
Application stage - We'll ensure everything goes smoothly with the lender. You'll have our support from your initial contact right through to when your remortgage process has completed.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
