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Are You Confused About Your Mortgage Options? This Should Calm Your Fears.

Secured Loans interest rates are dependant on your personal circumstances and loan amount whereas Remortgaging means replacing an existing loan with a new one from a different lender

In getting a new loan it is important to understand the difference between a remortgage and a secure loan. A remortgage is when you take out a new loan to replace the current loan you have on your house. A remortgage can also be used to raise additional finances by releasing equity in your property. Clear debts such as loans, credit cards, your existing mortgage, plus any arrears, leaving you with just one low monthly repayment. A secure loan is using the equity in your house to take out a loan. Example, if you have a house with property value of 180,000 and you have 70,000 left on your mortgage. You need to raise 40,000 through a secure loan or a remortgage. In a remortgage you would take out a loan of 110,000 and pay down the 70,000 you have left on your mortgage. This will leave you with the 40,000 you require. In a secure loan, you can just borrow the 40,000 and use your house as collateral.

A recent trend shows that more and more people are realising the benefit of remortgaging. According to industry estimates up to 40% of new mortgage applications have been people switching their mortgage, and with our web site it has never been easier.

First the interest rate you are going to pay on you loan will be different. You will receive a lower rate with a remortgage then you will with a secure loan. This is because the lending company is making profits on the whole 110,000 and not just the 40,000. Which means the lender can give you a lower rate loan, while maintaining higher a profit margin.

The downside to this particular aspect is that your original lender can have a penalty if you pay of your loan right away. So, if there is a 10% charge on paying off your original mortgage early, it may be in your best interest to get a secure loan instead of a remortgage.
Few Things to consider
• Unsecured Debt Consolidation loans offer you the chance to reduce your monthly payments (possibly over a longer term of loan) without putting further risk to your family home.
• Homeowners wanting to raise money for new purchases (eg: new car, home improvements, etc) often find that re-mortgaging to raise the money is cheaper than taking out personal loans or using credit cards. This is because interest rates on mortgages generally offer significantly lower interest rates than those available on personal loans.
• On replacing short-term debts like personal loans, which are typically repaid over five to ten years and at a higher interest rate, with a long-term mortgage debt, ideally at a lower interest rate, The amount payable over the term of your mortgage may well mean that you actually pay more for your debt than you would have if you had continued with the payments until the end of the shorter existing term.

About the Author: Rich Sunset is an active mortgage professional in the New York Mortgage Business and has provided just the right loan to the right customer for the perfect fit.

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