"Fully satisfied, genuinely helpful and friendly, would without doubt recommend Shire Direct, thank you."
Mr & Mrs C., Liversedge, West Yorkshire
Remortgage completion is the final stage of the remortgage process where all transactions are finalised. If you're looking for a quick turnaround, fast completion and fast payout on your remortgage, Shire Direct will usually be able to come up with the goods!
Here we take a look at what happens during the completion stage of a remortgage and how long remortgage completion generally takes. We also detail how we can help you with a fast remortgage even in the trickiest of circumstances! We have the approach, skills and the know-how to provide you with a fast, fuss-free and efficient remortgage processing package - AND we guarantee that there are no upfront broker fees!
Table of Contents:
Remortgage completion is quite simply, the final stage of the remortgage process where all transactions are finalised.
The remortgage process is somewhat different to buying or selling property. You already own your home, and as a result, many of the usual formalities of conveyancing are drastically reduced. Because of this, our remortgage processes will usually take somewhere between 15 and 20-business days on our fast-track system!
To ensure a fast remortgage completion, we will need to quickly ascertain your requirements. First we will get to fully understand your circumstances, needs and aspirations - Advice and service always come first at Shire Direct!
A quick call to one of our professionally qualified mortgage advisors will provide you with initial guidance, and the options that may be open to you - whatever your circumstances! You'll find our approach to be friendly yet professional, helpful and not in the least bit stuffy!
Once we have carefully assessed your circumstances and requirements, one of our mortgage specialists will provide you with advice and a recommendation on the most suitable mortgage product, commensurate with your circumstances, requirements, and aspirations.
The advisor will then help you complete all the documents. From this point we will:
Our Mortgage Administration Team will then continually liaise with your solicitor, the lender, and valuer; and keep you updated at the significant stages of the transaction.
In the meantime,your solicitor will:
Yes! No problem!
In an ideal world we would of course all have a good job, no money worries, and a perfect financial track record. In reality though, many of us suffer a blip at one time or another, often through no fault of our own, and all too often find the door to a remortgage firmly shut!
Fortunately this is not so at Shire Direct! We have developed an extensive portfolio of specialist mortgage lenders and schemes to help even in the trickiest of circumstances.
We believe you will find our approach to be friendly and helpful and not judgemental. We will present the options available to you, carefully, and in a language you can understand, rather than endless reams of confusing jargon. That's why Shire Direct has an enviable reputation for succeeding in arranging remortgages where others have failed.
So don't worry if you have experienced or have ongoing credit difficulties such asCounty Court Judgements (CCJ's), arrears or defaults. We can even help if you're in an Individual Voluntary Arrangement or have been discharged from bankruptcy.
We also have a great range of plans for those in self-employment, in a business partnership, or who are company directors, and who may have difficulty in providing income proof. These schemes accept income self-certification, often referred to as self-cert, and which are ideal for the fastly changing circumstances of this group of business people.
So, please don't hesitate to Contact Us if you would like to discuss your requirements, naturally without obligation. Our mortgage advisors are available on Freephone 08000 282 281 up to 10.00pm every day (including weekends), and we'll be delighted to provide you with an in-principle decision - whatever your circumstances! You can also enquire online at any time!
Well, we hope we've been able to explain the remortgage completion process and how long a remortgage may take to complete as well as detail how we can help with a fast remortgage whatever your circumstances. Don't forget we're only ever a free phone call or couple of mouse clicks away and would love to hear from you!
The overall cost for comparison is 9.8% APR.
The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Most customers are likely to receive a lower rate or the same rate as our overall cost for comparison rate - learn more about APR.
There are no upfront broker fees.
However, a fee may be charged on successful completion. An indication is that on conforming cases (straightforward applications with no or minimal adverse credit) a fee may be charged of up to 1% of the amount advanced, typically £795 and will depend on your circumstances.
For non-conforming cases (where case research and processing may be more complex due to adverse credit or unusual circumstances), a fee may be charged of up to 3% of the amount advanced, typically £1,995.
THINK CAREFULLY BEFORE
SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Adding existing debt to your mortgage will increase the repayment term and overall cost.
Are you worried and becoming stressed because you are having problems getting a mortgage or remortgage? Worry and stress no more! Here at Shire Direct we provide tailor made mortgage solutions to suit you, and can usually help with all kinds of circumstances including...
Remember, we're here to help, and would love to hear from you!
Over £2,000 worth of Argos Vouchers to be won in the Shire Direct Grand Prize Draw 2008! Terms and conditions apply - please read article for full details.
Claim £100 worth of Argos Vouchers upon completion of your transaction throughout 2008. Terms and conditions apply - see our Vouchers Special Offer page for full details.
Shire Direct and Shire Direct Mortgages are trading styles of Shire Processing Centre Limited which is
Authorised and regulated by the Financial Services Authority in respect of regulated mortgage products and general insurances.
Registered No: 302389. Commercial funding and Secured Loans are not regulated by the FSA.
Licensed Credit Brokers. Consumer Credit Licence Number: 349999.
Shire Processing Centre Limited is registered under the provisions of the Data Protection Act by the Information Commissioners Office: Registration No: Z6795249. Registered in England & Wales. Company number: 2732202. Telephone calls may be recorded for training, monitoring and security purposes. All applicants must be aged 18-years or over.
