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Mortgages : Remortgage

A remortgage simply replaces your existing mortgage with a new one on the same property, from a lender that is more competitive. You can improve flexibility, interest rate and terms and conditions.

There are three common reasons people choose to arrange a remortgage;

Lower interest rates
By changing mortgage lender you can escape a high fixed rate interest mortgage, even with mortgages that have a penalty clause, you can still switch and save money.

Free up equity
For some, existing stamp duty rates act as a barrier to moving home, by freeing up equity in your house you can fund a new home extension, or perhaps a second property or holiday home in Ireland or abroad. You can of course use this equity to buy a car or take a dream holiday, but we simply don’t recommend using a mortgage to pay for items like these.

Consolidate Loans
Many people also take the opportunity of a re-mortgage to consolidate other expensive loans such as, car loan, credit card balance, etc. into one lower monthly payment.

 

WARNING: Your home is at risk if you do not keep up payments on a mortgage or any other loans secured on it.