What is remortgaging?

When you remortgage you're not buying a new home, you are looking to save money on your monthly payments, or vary your mortgage, eg. reduce/increase the term, change the repayment method, transfer of equity, increase your loan, etc...

Why remortgage?

Depending on your personal circumstances, a remortgage could provide you with some extra cash to pay off all your outstanding loans and credit cards; complete home improvements you've been promising yourself; or even to take time out and treat yourself to that dream holiday you've longed for.

Kellands Mortgage Management has access to some of the best deals on financing costs. In today's competitive lending and insurance market you can achieve better deals by regularly switching lender or insurance provider. We can help you avoid loans with nasty small print such as prepayment and early redemption penalties.

Why Kellands Mortgage Management...

• Our professional advisers can provide full advice and recommendation.
• There are no upfront fees or hidden charges. Depending on your circumstances we may charge up to 1% of the mortgage balance e.g. £100,000 mortgage, up to £1,000 fee.
• We work only in your interest, not that of the lenders.

Mortgage manager

Think of how much interest your lender receives during the lifetime of your mortgage and remember, on an endowment mortgage you only pay interest on the mortgage debt and at the end of the mortgage term you will still owe what you originally borrowed and so the policy proceeds will be used to repay the mortgage debt.

It doesn't have to be that way

Kellands Mortgage Management through our active management of our clients' mortgages, we look to help clients make savings on their mortgages and ultimately reduce the mortgage debt as soon as possible.

Secured loans

The flexible nature of secured loans means they are useful in a range of situations and for many different purchases. For example, making home improvements like building a conservatory you've always dreamed of. A secured loan can also help you manage your existing credit, such as car loans, store cards or credit cards, by consolidating them into one simple monthly payment. Depending on your circumstances you can borrow varying amounts over different terms.

** Secured Loans are not regulated by the Financial Services Authority

Think carefully before securing securing debts against your home.Your home may be repossessed if you do not keep up repayments on your mortgage.

When consolidating debts the new remortgage may have a longer repayment term and may increase the total amount payable.

Kellands Mortgage Management Ltd is an appointed representative of Intrinsic Financial Planning Ltd and
Intrinsic Mortgage Planning Ltd who are authorised and regulated by the Financial Services Authority. FSA No: 448123
Registered in Northern Ireland No. NI054651
Registered Office: 212–218 Upper Newtownards Road, Belfast, BT4 3ET
Directors: Robert Forster Cert PFS Jonathan Finlay Cert PFS. ©2006 Kellands Mortgage Management Ltd. All rights reserved.