My fixed rate of 3.59% with RBS is ending in the next few months and I was looking for some advice on how best to remortgage.
Value of Property £132,000
Mortgage Outstanding £86,000
We are currently paying our repayment mortgage over 17 years.
My husband and I earn £52k (will probably go up to £54k after pay rises) combined salary and we have £22k debt between us. Our credit history is good except the amount of outstanding debt we have.
I was wondering if anyone knew whether going through a Broker/IFA means you are more likely to be accepted the lowest rate mortgages. I know the amount of outstanding debt we have will probably affect our chances of being accepted.
Value of Property £132,000
Mortgage Outstanding £86,000
We are currently paying our repayment mortgage over 17 years.
My husband and I earn £52k (will probably go up to £54k after pay rises) combined salary and we have £22k debt between us. Our credit history is good except the amount of outstanding debt we have.
I was wondering if anyone knew whether going through a Broker/IFA means you are more likely to be accepted the lowest rate mortgages. I know the amount of outstanding debt we have will probably affect our chances of being accepted.