Life is rarely simple, and finances tend to be the same. So if you’ve built up personal debt and a poor credit score then you could combine your outstanding borrowing with your mortgage to reduce your interest rates and save on your monthly outgoings.
Our expert advisors are experienced in helping customers with less than perfect finances find the right mortgage deal. They can give you qualified and unbiased advice on deals from specialist lenders to find you the best mortgage and leave you with one easy to manage payment each month.
Dealing with debt is always stressful, and at Lance Mortgages our aim is to make the process of getting back on track as smooth as possible. A Subprime Debt Consolidation Mortgage can be the first step to getting back on your feet with your money, by unlocking the value of your home.
Your own dedicated advisor will learn about your circumstances, provide you with regulated advice on your best options and by searching a panel of specialist lenders you will find the right mortgage to ease the pressure and help you look forward to a brighter future.
Managing your finances is often a stressful time, especially if you have accumulated debt. Using a mortgage broker to help find you a mortgage that can consolidate your debt could make a huge difference and open up new possibilities.
Getting started is simple, and your Lance Mortgages advisor will be there to guide you every step of the way.
We search the land to work with the biggest names and specialist lenders to provide our customers with the widest choice of options. Our qualified, expert advisors will match your needs with the right provider, giving you peace of mind that you’ve secured the best deal possible.
A mortgage is generally the term used when you are buying a property, whilst a remortgage is generally used when a current mortgage is being switched to a new rate, new terms and/or a new lender. We are authorised by the FCA to discuss and advise on both new mortgages and remortgages for our customers.
The main benefit of remortgaging is to save money. If you’re on a fixed-rate mortgage for example, where the fixed term will soon expire, then you run the risk of rolling over onto the lender’s standard variable interest rate which is often far higher. Since you’ll start paying more interest, your mortgage will become more expensive so switching could avoid a rise in repayments.
Other benefits include:
Whatever the reason you’re looking to remortgage, the chances are there’s a mortgage out there that’ll offer you this flexibility and we can help you find it.
It’s definitely possible to remortgage if you have bad credit. It’s likely lenders will want to charge a higher interest rate to offset the risk you might present, so the best possible deals probably won’t be available to you if you have bad credit. However, with some planning ahead it’s perfectly possible to strike a reasonable deal or find a new deal with better terms, just get in touch with us to explore your options in detail.
Yes. By working with us we can direct you to those lenders who are most likely to accept your application. This avoids a situation where you could be turned down by multiple lenders in a short span of time, which could further damage your credit score.
Put simply, we’ll search a wide range of providers to find the best mortgage deal for you. Getting a mortgage can be an intimidating prospect, but our friendly and professional advisors will guide you through your options and manage the whole process from start to finish.
We are authorised to give professional advice as to the best way forward for your needs and situation, as opposed to just providing ‘information’ which sets us aside from many other ‘experts’ in the field, and can give you more balanced advice than if you went directly to a provider like your bank or building society.
