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When Should You Consider Refinancing Your Home?

Refinancing a mortgage will come up sooner or later in your mind - if you are buying a home. You hear about deals that your friends got, and you wonder if you could do the same. The truth is that it is more than possible - but it is not for everyone. There are individual and economic situations that apply that will determine whether or not it is the best way for you to go. Here are some thoughts to help you determine if you should consider it.

How Long Will You Stay?

Refinancing your home could be a good idea if you are planning on living there for a number of years to come. If, however, you think you might be moving in a couple of years, then it probably would not be to your financial advantage.

Refinancing will give you lower interest rates which will result in a savings - that is the good news. Fees are added to the refinancing process, like closing costs and points - that's the bad news. These fees that are attached usually means that it will cause you not to see any savings for the first three years or so, depending on how long you take the new mortgage out for.

What Interest Rates Can You Get?

When you are looking around to see if you can get a better deal, you naturally will consider the interest rate. Some say that the general rule of thumb is to try to get at least 1% lower than what you have now. This amount will add up to quite a lot of savings over the years. Shop around for the lowest rate you can get.

What Are Your Credit Ratings?

The best loans are given to those with the best credit scores. This means that if you want better terms on your loan, then you need to have a good credit rating. If your credit rating has slipped, it probably will not be a good time to refinance - because you will not be offered the rate of interest you want - if you are approved at all. Instead, it could profit you more to take the time to rebuild your credit first, or get a different type of loan.

How Long Should You Refinance For?

The length of time that you get your new mortgage for should depend on your financial
ability. If you refinance for the long haul as long as you can get, say 40 or 50 years, then it will not mean any savings for you. Hopefully, by now you have built up some equity in your home. By increasing the time, you are simply increasing the amount of interest that you are paying - meaning that it will take longer for you to get out of debt. You should try to keep it as short as possible, without stretching your finances.

How Does This Compare?

With every mortgage, there are many companies that will try to take advantage of the buyer. The only way you could possibly know that, though, is by comparison shopping and understanding the mortgage process. By getting several online quotes, and comparing the interest rates and the fees, you will be able to quickly see who is offering you the best deal.

About the Author: Joe Kenny writes for the UK Loans Store offering UK loans and offer more information on remortgages and other loan topics available on site.

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