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Ailes Mortgages have Solutions to All Credit Situations

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up payments on your mortgage.

Ailes Mortgage Solutions will take the complications out of the process. You will be surprised by how easy your life becomes once you come to Ailes Mortgage Solutions, contact us to find out how Ailes Mortgages can help you reach your goal.

Buying a home is the largest purchase you’re likely to make. Before you arrange your mortgage, make sure you know what you can afford to borrow. Get in touch with us to find out where to get a mortgage, the different types and how the process works.

You may have to pay an early repayment charge to your existing lender if you

Remortgaging to get a better interest rate

When you take out a new mortgage, you normally get an introductory deal which could be better deal then you currently on.
For example, a low fixed or discounted rate or a low tracker rate for the first few years of your mortgage. Introductory deals normally last for between two and five years.
Once the deal ends, you’ll probably be moved onto your lender’s standard variable rate, which will usually be higher than other rates that you might be able to get elsewhere. So, when your introductory period ends, take a look at the market to see if switching to a new mortgage deal will save you money.
Bear in mind that if you only have a small outstanding mortgage the amount you stand to save might be too low to make switching worthwhile.

Remortgaging to consolidate debt.

If you have a lot of debt, you might be tempted to borrow some extra money and use it to pay off your other debts. An advisor will need to know the current interest you are paying towards your debt to ascertain if the debt consolidation is in your best interest.
Even though interest rates on mortgages are normally lower than rates on personal loans – and much lower than credit cards – you might end up paying far more overall if the loan is over a longer term.

Remortgaging for more flexibility

Remortgaging might also enable you to get a more flexible deal – for example if you want to overpay.

Or maybe you want to switch to an offset or current account mortgage, where you use your savings to reduce the amount of interest you pay permanently or temporarily – and have the option to draw your savings back if you need them.

As a property owner, you understand the importance of getting a good deal on your mortgage. Small differences in rates can have a big impact on your repayments, so it’s crucial to get impartial advice you can trust when looking for a re-mortgage deal. At Ailes Mortgages ensure that we find the right mortgage for you.

We can Help with All Credit Situations

  • Low Credit Score

  • Missed Credit Card Payments

  • Defaults

  • CCJ’s

  • Debt Management

  • IVA

  • Bankruptcy

  • All situations

How do I Get a Adverse Credit Re-Mortgage?

  • Contact Us to discuss your situation.

  • We will evaluate your Credit History and circumstances.

  • We provide you a prompt service with lenders and their options.

  • We provide you a detailed recommendation of the best solution for you and answer all the questions you might have.

  • Our qualified and expert advisors will guide you throughout your journey beyond completion date.

Re-Mortgage for any Reason:

  • Get a better rate.

  • Fixed Rate Deal

  • Repay debts and lower your re-payments.

  • Pay off an ex-partner.

  • Release cash for any purpose.

  • Raise a deposit for another property.

  • Raise funds for any legal purpose.

Re-Mortgages, some highlights:

  • Fixed Rates – get a new fixed rate and have stability of payments as interest rate reverts to Banks SVR rate.

  • LTV – Re-Mortgage Up to 95% of the property value(Subject to availability from Lenders).

  • Incomes – All Types of incomes can be used including Tax Credits (Subject to Lenders Criteria).

  • Recent Purchase – we can look to Re-Mortgage from Day 1 of ownership.

  • Inherited Property – Re-Mortgage to pay off siblings.

  • Re-Mortgage of a property purchased under Help to Buy.

Get in touch

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