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Overview

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Compare remortgage deals with CompareNI.com


Whether you’re looking to remortgage because your fixed rate mortgage deal is coming to an end, or you’re planning to remortgage your property in order to take advantage of a better loan-to-value (LTV) following a spike in house prices, it’s a good idea to compare remortgage deals from a range of different mortgage companies before you sign on that dotted line.

Your existing lender may be able to offer you a competitive remortgage deal, of course, but it’s still wise to shop around.

Is remortgaging the same as taking out a homeowner loan?

No, not exactly.

While a homeowner loan and a remortgage are both types of secured loans that use your property as collateral, remortgaging means you’ll be either replacing your existing mortgage with one with a better interest rate, or else taking out a mortgage on a property that was completely mortgage-free prior to this new loan agreement.

By contrast, the term ‘homeowner loan’ is usually used to refer to a loan that is taken out against your property but alongside an existing mortgage, which is why this type of loan is sometimes called a ‘second charge’. This means that homeowner loans are usually limited to the amount of equity the homeowner has in the property. By contrast, when you’re remortgaging you can often borrow a sum up to the full value of the property.

We only introduce you to either regulated credit brokers or mortgage brokers or display listings (adverts) produced by credit brokers or mortgage brokers. We are not a mortgage broker and we are not a lender.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Compare remortgage deals with CompareNI.com


Whether you’re looking to remortgage because your fixed rate mortgage deal is coming to an end, or you’re planning to remortgage your property in order to take advantage of a better loan-to-value (LTV) following a spike in house prices, it’s a good idea to compare remortgage deals from a range of different mortgage companies before you sign on that dotted line.

Your existing lender may be able to offer you a competitive remortgage deal, of course, but it’s still wise to shop around.

Is remortgaging the same as taking out a homeowner loan?

No, not exactly.

While a homeowner loan and a remortgage are both types of secured loans that use your property as collateral, remortgaging means you’ll be either replacing your existing mortgage with one with a better interest rate, or else taking out a mortgage on a property that was completely mortgage-free prior to this new loan agreement.

By contrast, the term ‘homeowner loan’ is usually used to refer to a loan that is taken out against your property but alongside an existing mortgage, which is why this type of loan is sometimes called a ‘second charge’. This means that homeowner loans are usually limited to the amount of equity the homeowner has in the property. By contrast, when you’re remortgaging you can often borrow a sum up to the full value of the property.

We only introduce you to either regulated credit brokers or mortgage brokers or display listings (adverts) produced by credit brokers or mortgage brokers. We are not a mortgage broker and we are not a lender.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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