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Ready to Remortgage?
We do the legwork so that you don’t have to.

Why choose Friends Capital?

SERVICE

Friends Capital work with all of the UK’s top insurance companies and financial institutions meaning we represent the very best the market has to offer but brought to you with independent and impartial advice.

We will explain the pros and cons of different products and make sure that the solution you end up with will be the right one for you.

TRUST

Our reputation is our bond. Friends Capital guarantee to deal with everyone with total understanding and empathy of your needs and circumstances. We do not prejudice anyone and work hard to bring you the best possible deal and outcome, regardless of your situation.

Put your trust in Friends Capital and contact us today for all of your financial and protection needs.

VALUE

Friends Capital is one of the UK’s leading brokers with over 30 years experience of finding the best possible policy to suit your needs at the lowest possible price.

We search the market with all the best providers so that you don’t have to.



As a customer of Friends Capital, you'll be given your own mortgage advisor to manage your case through all stages to completion. 



We take your privacy seriously! You'll be given 
access to a secure portal for all documents, and all our discussions take place over phone or encrypted emails.
Don't just take our word for it.
See what our customers have to say
Why Remortgage?
Achieve A Better Rate
Remortgaging your property could save you £1000's every year, leaving you to enjoy your extra income, or to finish your mortgage sooner.

The flexibility remortgaging can give you can have a tangible positive impact on your life!
Achieve Your Investment Goals
Remortgaging could leave you with the cash sum you need to follow your investment goals.

Perhaps you wish to invest in new property, have a solid business idea you want to get off the ground or have been presented with a once-in-a-lifetime opportunity.

Allow us to compare the market and get the best rates for you, and you can seize your opportunities.
Home Improvements or Celebrations
If you're ready to upgrade to the kitchen of your dreams, extend your home or undertake that much needed work your house needs, remortgaging can make this a reality. We can find the very best deal for you, allowing you to add comfort and value to your home.

Alternatively, you may have an important date coming up, a wedding or important anniversary. Freeing up the value tied into your house can be a strong opportunity to make memories that will last forever.
What income do I need to qualify?
In order to be eligible, you'll need to have employed or self-employed income - unfortunately we can't help those on benefits. 

How long does it take to remortgage?
This really depends on whether you’re staying with the same lender or changing. If you are staying with the same lender four to six weeks is typical, for a new lender eight to twelve weeks is more likely. 

Can I remortgage if I’ve had credit issues?
Your credit history needs to be as clean as possible before applying to remortgage. Your credit score will affect your chances of getting the best rates. Lenders like to know you are good with your money and can afford to make the repayments. If your credit history isn’t spotless, don’t give up. Friends Capital help customers with bad credit every day. There’s bad credit, and there is really bad credit – most people aren’t as bad as they think. 

Do I need a deposit for a remortgage?
No. The equity you have in your property essentially acts as a deposit. Equity is the percentage of the home you own yourself. You can, however, add any additional money you have saved when you remortgage to get a smaller mortgage.

Is it better to remortgage or get a loan?
It depends on your circumstances when considering whether it’s better to remortgage or get a personal loan. The equity in your property will be a significant factor and how long you want to borrow the money for. Mortgages tend to be longer-term but aren’t as flexible as personal loans.

How does a remortgage release equity?
If you do a full remortgage, you’ll refinance your entire mortgage either with your existing lender or a new one. A remortgage can be as simple as keeping the same loan size but moving to a new deal, or you can take on extra borrowing, releasing the equity in your home. Don’t forget releasing money when remortgaging is increasing the size of your loan and often the repayment time.

The Remortgage Experts

If you're ready to remortgage your property, you should take impartial advice on the whole of the market to ensure you achieve the best rates possible. 

Even if you have been refused by your bank, Friends Capital can help you access the best rate so you can reach your goals, be it financial freedom, investment opportunities or your dream home improvement. 
Contact our expert team today to achieve your remortgage goals.
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.
 
Friends Capital Limited is authorised and regulated by the Financial Conduct Authority.
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