First class service! Straight forward to deal with, answered all questions quickly and a speedy turn around to mortgage offer being issued. I cannot recommend AJMS and the Team highly enough. I would…
Thank you so much to AJMS for helping out with my recent remortgage. Always available on his mobile to answer any questions I had and made the whole process as stress free as possible for me. I would…
AJMS was extremely helpful in arranging my remortgage. His excellent knowledge allows him to provide a fast, efficient and professional service. Previously I have tried to arrange these myself which …
Highly recommended explained everything well, went to and from the lender so many times making sure all was agreed before spending my money on a survey 5 star amazing service!
Thank you AJMS for helping us with our mortgage! We really appreciate your patience and for always being at the end of the phone to answer any questions no matter how big or small!
Thank you so much to AJMS for helping out with my recent remortgage. Always available on his mobile to answer any questions I had and made the whole process as stress free as possible for me. I would definitely recommend him to friends and family!
“I received protection advice from Brian at AJMS and we proceeded to arrange various insurances for myself & my partner. I am very happy with the service I received and the policy I was recommended, I wouldn’t hesitate to recommend Brian’s services to anyone looking to arrange their personal insurance. “
AJMS has been our mortgage/financial advisor for many years now. His knowledge and expertise is second to none and I can’t recommend his services enough!
Alexander James Mortgage Services - The Best Woking Mortgage Brokers
AJMS is extremely knowledgeable, professional, supportive and well versed in many financial services, including but not limited to Mortgages. I would highly recommend you engage with him and his company to assist with your financial needs and mortgage application. A one stop shop in financial services with friendly advice and exceptional service delivery. Happy Customer !!
Alexander James Mortgage Services - Woking Mortgage Brokers
AJMS has been very helpful and knowledgeable helping me out get the mortgage to get my first house. His knowledge does not only limit on mortgage but broader financial areas. I was a happy customer and would definitely ask him for your help if I will need to get more properties with mortgages or advice on financial planning.
I used AJMS over the course of the years for my property purchases. In all my dealings with him he has always given me impartial advice and in my opinion found the best rates on the market. I would recommend AJMS as an honest and genuine financial adviser.
We were recommended to use the services of Alexander James Mortgage Services by our then financial adviser.
In retrospect, this was an excellent recommendation as AJMS provided an outstanding service.
We were so impressed with the service that AJMS provided that when our youngest daughter decided to purchase a flat, we again secured the services of AJMS.
Who provided a first class service in helping her obtain a very competitive mortgage and appropriate life, critical illness, contents and health insurance cover.
And in the future will help her to set up a private pension fund.
So to anyone looking for sound, sensible and straightforward financial advice, we all recommend Alexander James Mortgage Services.”
A common question we get asked is: should I remortgage?
There are many reasons why you may want to remortgage, but here are some of the most common reasons to remortgage your house…
Borrow more money
Remortgaging your home can be a great way to make those home improvements you’ve been contemplating over for so long. Whether it’s a beautiful, state-of-the-art kitchen or an extra room to make into a cosy home office, you might be able to release some equity you’ve built up to help fund these plans, and maybe add value to your home at the same time!
Your first step is to think about how much your renovation will cost and ensure you are able to cover the costs. You also need to bear in mind that exiting your mortgage deal before the end of its discount period means that you may have to pay an early repayment charge. But don’t worry, our expert team will be able to talk you through any charges that you may occur.
Lower monthly payments
The main reason people remortgage is to save money on their monthly repayments. A better interest rate could mean lower monthly payments.
However, you need to consider early repayment charges that may occur if your current mortgage deal has not yet come to an end, it is important to weigh up the price of this against the costs you’ll be saving with the lower interest rate.
Your current deal is about to end
When your current deal comes to an end, your lender will put you onto its standard variable rate (SVR). This is likely to be higher than your old interest rate, so you’ll probably end up paying more money each month.
You should start looking around for better deals, three to six months before your current rate ends. Our advisers can help you switch to a better deal and ensure you aren’t paying more than you need to each month.
Want to overpay
You may have a higher paying job or been gifted some money, meaning you have more disposable income and can afford to pay more on your monthly mortgage repayments. This is great news! However, not all lenders will allow you to overpay so you may want to switch to another lender.
Again, this could mean you have to pay an early repayment charge, but we can advise whether it’s still beneficial to switch and help decide what is right for you.
Your home’s value has gone up
If the value of your house has risen since you last took out your mortgage, you may find you’re eligible for much lower rates, meaning lower monthly repayments. This can be worth looking into to make sure you aren’t paying more than you need to.
If you’d like to get in touch with us to discuss your remortgage options, we’re always here to help. With mortgage brokers in Woking and Camberley, you are never too far from mortgage advice.