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Sometimes, searching for the best remortgage deals can be just as complicated as sourcing a purchase mortgage. But, since there are a number of reasons why you may be looking to remortgage your property, it’s not a process any mortgaged property owner can ignore.
Delve into a pair of case studies where Articus successfully secured a remortgage to an Expat Client and Foreign National.
Perhaps you’ve reached the end of your fixed-term mortgage deal, and wish to avoid falling onto an expensive Standard Variable Rate (SVR). Having paid down more of your mortgage, you may be looking for more preferable remortgage rates, as a lower loan to value (LTV) is lower risk for lenders and they will thus offer more favourable terms.
You may have had a change in circumstances, and wish to adjust your mortgage accordingly. Or, you could be looking to refinance your property to generate liquidity for further investments.
Whatever your need is, Articus Finance’s experienced brokers can assess your situation and help find the best remortgage deals for you.
A remortgage is the process of switching your existing mortgage to a new lender or a new deal with your current lender. This is often done to secure a better interest rate, access additional funds, or change the terms of your mortgage. Essentially, you’re paying off your old mortgage and replacing it with a new one.
The new mortgage can be with the same lender or a different one, depending on your financial goals and circumstances.
Consider this case in which Articus Finance has successfully secured a Remortgage for British National Residing in Australia.
You might consider remortgaging your property when your current mortgage deal is about to end, or if you want to take advantage of a better interest rate that they can offer.
Additionally, if you’re looking to release equity or modify your mortgage terms, Articus Finance can guide you through the remortgaging process, helping you understand the potential financial gains based on your specific circumstances. Get in touch today.
The remortgaging process’s duration can vary, but with Articus Finance’s experience and assistance, it generally takes around 2 to 4 weeks from application to completion. Factors that can impact the timeline include lender processing times, the complexity of your application, and the efficiency of document submissions.
We advise our clients to start the process well in advance to avoid any delays that might affect their current mortgage terms.
Articus Finance aims to streamline the process and keep you informed at every step.
Using a mortgage broker can be beneficial during the remortgage process. At Articus our Brokers have access to a wide range of lenders and deals, which can help you find the most suitable option for your needs. They can also provide expert advice, handle paperwork, and potentially negotiate better terms on your behalf.
When remortgaging with Articus Finance, you’ll typically need to provide documents such as:
The exact documentation may vary based on your circumstances and the lender’s requirements. Articus Finance will assist you in compiling the necessary documents to ensure a smooth application process.
Whether you’d like to make a finance enquiry or simply have
a question about our services, we’re on hand to help.
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Harry has over 16 years of experience within the Finance, Housing and Development sector. He started off his career as a CIMA Qualified Chartered Accountant and transitioned over to financial services in 2019. During this time he has dealt with a range of complex financial arrangements from ex pat mortgages to large development loans. Harry has a can do attitude and believes there’s a solution to every situation and will work tirelessly to ensure your deal crosses the line. In his spare time Harry likes to play poker, travel and try new cuisines.
Carolina is a multilingual Marketing Manager originally from Portugal. She specialises in International Marketing and Business, helping organisations expand their brand awareness globally over the last 4 years. Her past work includes supporting start-ups to multinational companies in the UK and across Europe. She is a creative and passionate individual, bringing a fresh perspective to the financial industry and delivering high quality research.
In her spare time, Carolina enjoys socialising & travelling around the world, embracing different cultures and experiences.
Antonia brings fantastic planning, organisational and time management skills to her role as office manager, ensuring that operations at Articus run smoothly. An experienced administrator with fantastic problem solving skills, Antonia began her career working in medical administration, so she is highly experienced working with confidential client data.
Matthew has experience working as a mortgage administrator and assisting with clients of any calibre. His main strength is his ability to develop a close relationship to his brokers and clients, allowing for a smooth transition throughout your mortgage journey, his friendly nature helps in making the process a lot less intimidating than it needs to be. Outside of work Matthew spends his time playing Chess and exploring the world with his Girlfriend.
Theo started his journey in the specialist finance industry while working as a journalist at an industry trade magazine. During this time he amassed a great knowledge of mortgages, bridging, development and commercial funding and established a wealth of relationships in the industry. He transferred these skills and now specialises in assisting clients with their specialist finance requirements. Working alongside the CEO, Theo has learnt the nuances of ultra-complex transactions and knows how to most efficiently manage the funding process to completion. Theo aims to achieve the best solution for every client he deals with a particular focus on sourcing funding for developments and refurbishment.
With over 20 years of financial services experience Dino is an accomplished mortgage adviser who relishes the more complex cases, enjoys a challenge and always does everything he can to ensure his clients not only get the result they need but to achieve their property goals. A fully qualified financial adviser Dino quickly realised that property and mortgages were his passion and over the years gained his experience helping investors build their property portfolios. When not working Dino enjoys spending time with his family, loves modern and classic performance cars, popular culture, technology, mountain biking and is a supporter of West Ham United.
Whether you require access to bespoke funding, or need to fund a project of any scale, Samuel will always find a solution to meet the requirements of any client. No matter how complex your case is, through his innovative and determined nature, he can find a structure to finance a client’s plans. As a trained martial artist, Samuel’s passion and confidence carries over into the workplace, and you can expect a clear and concise transaction journey from start to finish.
Jason started in 2012 in financial services working across London’s property and financial services markets for HNW individuals. He is able to construct tailor-made solutions to suit his client’s needs, no matter how complicated. He has completed multi-million pound residential, buy to let and commercial developments across the UK. Jason is a confident and motivated individual whom takes pride in offering an exceptional and professional level of service to all of his clients. Outside of work he enjoys hiking, cycling and traveling the world with his sights set on Base Camp Everest.
Assad prides himself on being open minded and thinking outside the box. Through a personalised approach and consistent communication; Assad’s strong relationships with specialist lenders gives him the ability to reach the ideal outcome for his clients. With a particular strength in dealing with foreign nationals and ex-pats he approaches his clients with a can-do attitude. His attention to detail allows him to actively support his clients and build a long-term relationship by giving a truly tailored approach. Outside of work, Assad is a keen explorer and foodie, regularly travelling to remote destinations and testing out the local cuisines.
Shyan is a global businessman with keen commercial acumen and a deep understanding of the UK property market. Following the successful completion of an undergraduate and postgraduate degree in Mathematics from King’s College London, Shyan has held a range of highly strategic roles, with a focus on UK property investment – meaning he is well versed in the world of HNW property finance. Not only is he an experienced UK landlord, he has an impressive history in the world of property trading, and has played a pivotal role in the completion of a number of large scale development projects with values up to £30 million.
Ollie entered the world of high net worth mortgages after living in Geneva, where he provided tailored financial advice to private clients. This experience shaped his career trajectory, giving him first-hand experience in understanding and communicating the benefits of financial advice – all while developing the ability to build exceptional client relationships. Following this, Ollie moved back to London where he began specialising in mortgages. His drive, ambition and natural flair for anticipating the needs of his clients led him to progress quickly from Client Services to broker, where he honed his skillset after passing his CeMap exams. Outside of work, Ollie is an avid traveller – and an equally keen supporter of his local club, Fulham FC.
Antonio has over a decade’s experience arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking. As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.
Antonio started in financial services in 2006, arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking.
As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.