JMH Financial

Remortgages

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Remortgaging

As your fixed-rate mortgage approaches its expiry, it’s easy to let the time slip away amidst life’s busy schedule, but at JMH Financial, we believe in proactive planning to preserve your financial wellbeing. By partnering with us, you won’t just receive a reminder three to four months before your deal ends; instead, we’ll reach out six months in advance, ensuring you’re perfectly positioned to secure the most competitive rates available.

This early intervention can protect you from sudden increases in monthly repayments and avoid the pitfalls of falling onto a higher standard variable rate. We understand that navigating the remortgage process can be daunting, but with our expertise and support, we’ll guide you every step of the way, making the transition smooth and seamless while you focus on what truly matters.

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Our Seamless Process

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Step 1

Get In Touch

Contact us to discuss your requirements and let one of our financial experts guide you through the straight-forward process.

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Step 2

Consultation & Advice

We’ll go through your personal information and get a better idea of what you need and give advice on products and proceeding.

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Step 3

Proceed

We process your application, guide you through all the necessary steps to facilitate your financial requirements.

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Frequently Asked Questions

We have all the answers to all your questions… get in touch today for a quick informal no obligation chat.

Won't my lender give me a better rate because of my loyalty?

While loyalty to your lender can certainly have its perks, it doesn’t always guarantee a better rate. Lenders evaluate rates based on a variety of factors, including market conditions, credit score, and overall financial profile, rather than solely on how long you’ve been a customer. It’s worth exploring your options and comparing offers from various lenders to ensure you’re getting the best deal available. At JMH Financial, we’re here to help you navigate these choices and find the most competitive rates tailored to your unique situation.

How do I know when my fixed rate deal ends?

To determine when your fixed rate deal ends, start by checking your original mortgage agreement or statement, which typically outlines the duration of your fixed term, often ranging from two to ten years. You can also log into your online banking account or contact your lender directly for the most accurate information. Additionally, keep an eye on any correspondence from your lender, as they may send reminders as your fixed rate nears its conclusion. Being aware of this date is crucial for planning your next steps and potentially exploring new mortgage options with the best rates available.

Is it better to move to a new lender?

Navigating the world of lending can feel overwhelming, and the decision to switch lenders often hinges on a range of personal factors and financial goals. Embracing the potential benefits of relocating to a new lender means assessing your current situation, whether it’s the lure of lower interest rates, more favourable terms, or simply a better customer experience that can enhance your financial journey. By exploring fresh options, you may uncover opportunities for savings and tailored solutions that better align with your needs, empowering you to take control of your financial future with confidence.

Will it be better to move to a new lender?

Deciding whether to switch to a new lender is a significant choice that could lead to a host of benefits, such as lower interest rates, improved customer service, or more flexible terms that align with your financial goals; however, it’s essential to weigh the pros and cons carefully, considering factors like any switching fees or potential impact on your credit score, to ensure that you make an informed decision that supports your long-term financial wellbeing.

What will I need to do when remortgaging?

When remortgaging, the journey begins with assessing your current mortgage terms and understanding your financial goals, whether that’s securing a better interest rate, accessing equity, or consolidating debt; from there, gather key documents such as payslips, bank statements, and identification to present a clear picture of your financial health to lenders, then explore a range of options comparing products from different providers to find the one that suits your needs best, and finally, engage with a trusted advisor or broker to navigate the complexities, ensuring a smooth transition to your new mortgage arrangement, all while keeping an eye on potential fees and costs that may arise along the way.

What fees do you charge?

At JMH Financial, we believe in transparency and clarity, which is why we offer a straightforward fee structure tailored to your unique needs; our fees vary based on the services you choose, ensuring that you receive the best value for your investment, and we’re always here to discuss any questions you may have, so you can feel confident in your financial journey with us.