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Mortgage Solutions Merseyside

Tel : 0151 428 7237 or email [email protected]

"We are here to help contact us for a free no obligation quote"


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Why Remortgage

Apply now for your free no obligation quote( click here)

Raising money for home improvements, holidays, weddings etc.

With the rise of property prices over the last 5 years it has been estimated that a majority of people have built up a substantial amount or equity in their properties.

Some clients look to remortgage to release some of this equity, as it can be an effective way of raising funds. In most cases the monthly repayments will often be lower than other forms of personal finance, (eg. credit cards and personal loans etc) if taken out over the same term as a mortgage.

You may find that some lenders may place restrictions on what you can do with the funds you raise, but at Mortgage Solutions Merseyside we will help you remortgage to raise cash for almost any purpose. That means that whether you are looking to raise money for home improvements, a wedding, a car, a holiday or even a deposit on a second home abroad, we will help you consider all your options.

Consolidating Debts

If you feel overstretched by credit card, personal loans, hire purchase or store card payments then consolidating these loans may be an option. If you have equity in your property then Mortgage Solutions Merseyside can help you remortgage to release funds to pay off all your other debts, which will allow you to consolidate them into one easy to manage monthly mortgage payment.

Buying out your partner

If you have taken out a joint mortgage with your partner or even some friends and you decide to go your separate ways, it can be a headache trying to figure out what to do with the property and the mortgage.

At Mortgage Solutions Merseyside we can help you remortgage the property and buy out your partner by releasing their share of the equity, and then transfer the mortgage into your sole name.

Looking for a better interest rate

A large percentage of homeowners may be paying a higher rate of interest on their mortgage than they need to, as they tend stay with their existing lender on their current standard variable rate. Instead they should look round for a new deal after they have come off the lenders initial discounted or fixed rate deal.

If you’re one of these people Mortgage Solutions Merseyside may be able to offer you a better rate.

This translates into less money going out on your mortgage payments every month and more money for you.

What to look for when you are reviewing your mortgage

Every year your lender must send you a statement, and this is a good opportunity to check your mortgage and consider any changes.

You should also review your mortgage whenever the period of a special deal - for example, a fixed or discounted interest rate - comes to an end.

Use your annual statement to check that your mortgage details are as you would expect them to be.

Your mortgage statement will include:

• the date and amount of payments you have made during the year compared to those that were due, including payments for any tied products that you took out through the lender (for example, buildings insurance);

• the amount of interest you have been charged over the year;

• the balance of the loan still owed at the statement date;

• the term remaining on the mortgage;

• the cost of paying off the mortgage including any early repayment charges; and

• where early repayment charges apply, the date that they will stop.

Consolidating Debts

If you feel overstretched by credit card, personal loans, hire purchase or store card payments then consolidating these loans may be an option. If you have equity in your property then Mortgage Solutions Merseyside can help you remortgage to release funds to pay off all your other debts, which will allow you to consolidate them into one easy to manage monthly mortgage payment.

Buying out your partner

If you have taken out a joint mortgage with your partner or even some friends and you decide to go your separate ways, it can be a headache trying to figure out what to do with the property and the mortgage.

At Mortgage Solutions Merseyside we can help you remortgage the property and buy out your partner by releasing their share of the equity, and then transfer the mortgage into your sole name.

Looking for a better interest rate

A large percentage of homeowners may be paying a higher rate of interest on their mortgage than they need to, as they tend stay with their existing lender on their current standard variable rate. Instead they should look round for a new deal after they have come off the lenders initial discounted or fixed rate deal.

If you’re one of these people Mortgage Solutions Merseyside may be able to offer you a better rate.

This translates into less money going out on your mortgage payments every month and more money for you.

What to look for when you are reviewing your mortgage

Every year your lender must send you a statement, and this is a good opportunity to check your mortgage and consider any changes.

You should also review your mortgage whenever the period of a special deal - for example, a fixed or discounted interest rate - comes to an end.

Use your annual statement to check that your mortgage details are as you would expect them to be.

Your mortgage statement will include:

• the date and amount of payments you have made during the year compared to those that were due, including payments for any tied products that you took out through the lender (for example, buildings insurance);

• the amount of interest you have been charged over the year;

• the balance of the loan still owed at the statement date;

• the term remaining on the mortgage;

• the cost of paying off the mortgage including any early repayment charges; and

• where early repayment charges apply, the date that they will stop.

If you have a repayment mortgage, the balance shown on your statement should get smaller over the years. If you have an interest-only loan, the balance should stay the same, unless you choose to make some early capital repayment.

If you have an interest-only mortgage (or part of your loan is on that basis), the statement should either give details of any savings scheme you have taken out through the lender or warn you that you should have some arrangement in place for repaying the mortgage at the end of its term.

Check that it is on track to do this.     

Apply now for your free no obligation quote(clickhere)