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Secured loan versus Remortgage
There are many occasions when a second charge/secured loan provides a more appropriate funding solution to a remortgage. The most obvious example is where a borrower has a large redemption penalty on their existing mortgage. The facts below will help you to make a decision.
  • Less different fees.
  • No valuation fees on loans up to £25k
  • Complete in under 21 days, some in as little as 10 days.
  • Need to have free equity in the property.
  • Flexible conditions and terms.
  • Easier to arrange.
  • Many different fees including valuation and administration fees, lender arrangement fees, legal fees, and in many cases, broker fees, discharge fees, title insurance and telegraphic transfer fees.
  • Opportunity to spread repayment over a longer period.
  • Lower monthly repayment.
  • Restrictive criteria.