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If you need to borrow more, or you’re looking for a better deal

Remortgages

If your current mortgage deal is coming to an end, or if you’ve been with your existing lender for a while, this could be a very good time to think about switching to get a better, more cost- effective mortgage deal, and at the same time increase the amount you’re borrowing.

In some cases, homeowners can save hundreds of pounds a year by moving their mortgage to a more attractive rate with a different lender. Remortgaging can also work if your property has increased in value and you want to free up some cash from the equity tied up in your home, or if you want to make higher repayments to shorten your mortgage term.

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A further advance from your existing lender

If your current mortgage represents less than the maximum value that your current lender will advance you, then you could apply to increase the amount of money you borrow. Homeowners often consider this route if they want to fund home improvements, or to raise cash to provide a deposit for a second home, or to give funds to another family member to help them get onto the property ladder.

Your adviser will be able to explain the terms on which your lender would be prepared to do this, and go through the pros and cons.

Rate Switch

For some mortgage holders who come to the end of their initial special offer rate, this lender may offer another special rate to encourage customers to stay with them.

Your adviser can help work out what’s the best course of action to take when this offer is made.

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JFS Mortgage & Financial Services
JFS Mortgage & Financial Services
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Andrea KearnsAndrea Kearns
11:18 06 Jun 23
We have used John and JFS Mortgage Services for a number of years now and would not use anyone else. John is always on hand to offer help and advice and is always very responsive by email and phone.We have just re-mortgaged as our deal was coming to the end of the fixed rate. John sourced a number of options for us and offered helpful and professional advice - nothing was too much trouble.Highly recommend and a very professional and personable service that is second to none!
Phoebe BennettPhoebe Bennett
15:11 07 Apr 23
As first time buyers, John was extremely helpful in answering all the questions we had throughout the process. He was always available and quick to update us with any progress. Would highly recommend John’s services as he has made our house buying process swift and efficient!
Jack SeaborneJack Seaborne
16:32 06 Feb 23
John was a great help throughout the process of buying our home and we highly recommend his services. John's great manner helped us feel comfortable enough to ask what felt like daft questions as first time buyers. Always quick to respond to queries
Kerry ParkerKerry Parker
14:23 01 Feb 23
We've just used John's services for the second time when it came to remortgaging our home as we came to the end of our fixed rate.John was extremely helpful, helping us to secure the best rate possible. Very professional and always quick to reply to any questions or assist us with any issues!We would highly recommend JFS Mortgage & Financial Services.
Michael McAndrewMichael McAndrew
19:13 24 Nov 22
John was a fantastic help throughout our mortgage process. From initial thoughts at the beginning of our house search until exchange day, he was always available via message or email to help with our many questions. Being first time buyers, we could not thank John enough for his help with everything from advice, sourcing mortgages to insurance recommendations. We would 100% recommend JFS Mortgage & Financial Services for any future home buyers.
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JFS Mortgage & Financial Services

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. 

The Financial Conduct Authority does not regulate some forms of buy to lets. There will be a fee for our services, the exact amount will depend on your circumstances and precise details will be given to you on initial enquiry and you will not be expected to proceed until you have had the fee details in writing and have agreed the fee amount.

The guidance and/or information contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK

JFS Mortgage & Financial Services, a trading style of JFS Mortgage Services Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

JFS Mortgage Services Limited is registered in England and Wales with company number 06528059.

Registered Office: 139 to 143 Union Street, Oldham OL1 1TE.

Part of the HLPartnership Mortgage & Protection Network

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