How to remortgage

Re the fees, some do "fee free" remortgages. My last one with the Derbyshire was. I didn't have to pay for anything as I recall. They handled the legal fees, valuation, etc.

The best deals are ones you find for yourself. It's a generalisation probably, but what a mortgage advisor can offer isn't going to be as good as what you can find either in banks on the high street or on the Internet.

To remortgage I think you just contact the new lender and they tend to handle everything, unless you appoint your own solicitor.

I'm sure others here will confirm.

Ed.

Sometimes this may be true, but there are adviser exclusive deals that you can't get dealing direct. To be fair though, there may be at times deals available direct that an adviser can't arrange for you.

I doubt any lenders would take part of your mortgage.

Yes. Although you will probably have to pay a redemption penalty on the loan with the discount ending in 2008.

Mark

You could trying checking out this site

You can check out our page about re-mortgaging for more information

Yet another dodgy debt company jumping on the bandwagon of the consumer debt problem.

The only debt/IVA/bankruptcy help organisation people should consider using is the charity

And to answer the ops question he should start here

Daytona

I only asked to remortgage not for a debt clearing agency!

Tim

I know, but from the repeated posts (aka spam or junk mail) to this newsgroup by Victoria from Sems Consultancy it would appear that she's using the most tenuous connections to spam advertise, what I assume is, her clients website.

Whenever this happens and people risk being mislead, particularly in the area of debt advice, I think that it's important to counter such posts.

Daytona

Yet another dodgy debt company jumping on the bandwagon of the consumer debt problem.

The only debt/IVA/bankruptcy help organisation people should consider using is the charity

And to answer the ops question he should start here

Daytona

You might find it helpful to speak with one of Clear Start's specialist advisers about this in more detail (0800 138 5445. They won't charge you and are completely impartial.

I've also attached a link to a page about re-mortgaging that might help:

On the contrary, Clear Start is dedicated to providing to provide free and independent support to help people with serious debt problems.

Plus it is licensed and regulated by a number of bodies and works with both private and public sector organisations alike to improve the legislation and best practice in both the lending and financial advice industries.

Who cares about free telephone calls when they are a commercial operation designed to profit from your situation should you sign up.

Here's what the a poster on a forum that is the best place for debt advice in the UK says about such companies -

"Debt Management Companies

A lot of people see the adverts on TV promising to reduce your payments to an affordable amount each month by negotiating payment terms with your creditors. The bit they miss is that they charge a fee

- usually around 15%. This is 15% of your money that could be paying off your debts! Instead, try the following companies who offer the same service at no cost to you:

- Free debt management companies: and

- Free debt advice: "

Quote from -

Payplan are funded by the credit industry as a whole -

"Every penny you pay into a Payplan arrangement goes to your creditors and reduces what you owe. This is because we receive funding from the credit industry who recognise the need for a free service."

The Consumer Credit Counselling Service (CCCS) is a charity -

"The Consumer Credit Counselling Service is a registered charity whose purpose is to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice. "

The National Debt Helpline is a charity -

"We are a charity (Registered Charity Number 1099506) formed in 1991 to increase the quality and availability of free, independent money advice in the UK."

There is an excellent forum for debt issues here - - TMF dealing With Debt board. Start here

Many of the people have been there, done that, & got the T-shirt, so the advice is from people who have a detailed knowledge of the subject.

More links on my webpage -

Daytona