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      • Remortgage
        Essex Home Finance
      • Remortgage
        Essex Home Finance
      CALL : 01245 398466 or EMAIL : ObscureMyEmail
      1 High Street, Chelmsford, Essex, CM1 1BE

      Product Switch / Product Transfer


      When your current Home or Buy to Let Mortgage Deal is coming near it's end, you need to consider all your options to ensure you have the right mortgage for your own individual situation.

      One of those options will be stay with your current lender, and many will offer a set of products to start once your current deal expires.

      However, you may find that rates are cheaper elsewhere in the market - that is where Essex Home Finance can help you decide what to do, stay with your current Mortgage Lender, or move elsewhere?


      Which is Best for Me?

      Product Transfer

      Benefits

      Quick
      Simple
      Quick Turnaround
      Easy Affordability Test

      However

      Not the Cheapest?
      No Changes Allowed
      Rates not Guaranteed

      Remortgage

      Benefits

      Better Rates?
      Change Terms
      Borrow More
      Secure your Deal Early

      However

      Longer Process
      Valuation Required?
      Solicitors Required?
      Full Affordability Test


      At Essex Home Finance, we can advise you exactly what options you qualify for, and whether you are better to make a Product Transfer, or Remortgage elsewhere.

      With access to the Whole Mortgage Market, we are well placed to update you with the most recent changes in the market, the many options and innovations our lender partners bring, and importantly work out any potential savings to your monthly payments.

      We do this with specific Advice and Recommendations too, so we will be responsible for the next steps. We will look after all of the paperwork for you too.

      Why don't I just go back to my current lender?

      They will be keen for you to stay with them, and will look to make the process very streamline and easy - but wait…

      • This will be WITHOUT ADVICE - they will ask you to make the choice(s), and if they are wrong, it is your fault. Are you Happy to take the risk???
      • No Lender will be able to offer anywhere near the number of products and options from the Mortgage Market - they can only give you details of their products, not any other lender
      • So how will you know you have a good deal?
      If it is the right choice to make, we will recommend a Product Transfer, we will take the responsibility for the advice and the paperwork, and give you the reassurance that you have the best deal that you qualify for.

      And for most clients we will not charge any fees !

      Speak to Essex Home Finance
      straight away - we will take the time to review your situation and look to advise you on the right action to take - a Product Transfer or a Remortgage - and let us help you from Start to Finish.


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      Essex Home Finance Ltd is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.

      Registered address: 1 High Street, Chelmsford, Essex, CM1 1BE. Registered in England & Wales under number 10607263.

      Your home may be repossessed if you do not keep up repayments on your mortgage.

      *From the 1st March 2018, there are No Broker Fees for Residential First Time Buyers, Residential Home Movers, Residential Remortgage, and all Product Transfers (Residential or Buy to Let). There will be a fee for all Buy to Let Purchase and Buy to Let Remortgage cases. Typically our fee will be £149, payable on Offer. We will agree any fees with you before we proceed with your case.

      There will be a fee for all Equity Release Mortgage cases. Typically our fee will be £695, payable on Offer. We will agree any fees with you before we proceed with your case.

      We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. 

      Our advice is covered under the Financial Ombudsman Service.  You may be able to submit a claim through the  EU Online Dispute Resolution Platform If you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.

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