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Remortgage 2021
Time has flown its remortgage year! Currently with subprime lender due to partners credit history and hoping to move to a high street lending on remortgage. LTV is 75% and no additional borrowing.
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@nattybuk Most mortgage offers now come with 6 months validity so you could time it based on that. Like for like remo at 75% LTV is a good place to start with, hopefully you'll be able to move to a much better rate. Good luck!
I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.
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Go and see a mortgage broker who can help you with this !
Yes you have 75%ltv but with past credit history they will help you find a high street lender.0 -
When does your fixed period end?nattybuk said:Hi,
Time has flown its remortgage year! Currently with subprime lender due to partners credit history and hoping to move to a high street lending on remortgage. LTV is 75% and no additional borrowing.What do we need to prepare for remortgage and how soon can we lock in the offer?When ready I would suggest contacting a broker to find you best deal for youMFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0001 -
It’s in August so a while to go. Also on the valuation do we have to get an estate agent to value or take an online estimate?0
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@nattybuk In that case you could start looking around February/March. You don't really need an EA valuation, in any case the new lender will do its own valuation of the property.nattybuk said:It’s in August so a while to go. Also on the valuation do we have to get an estate agent to value or take an online estimate?
I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.
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