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You have decided that it is time to take a closer look at your current financial situation. Maybe circumstances have changed, and you are asking yourself:
- "Am I paying too much on my current mortgage?"
- "Are there better interest rates out there?"
- "Can I combine all my borrowings into one low monthly repayment?"
Maybe it is some advice on interest rates, lender products, or even to discuss your mortgage future, ZINC Financial is here to help. Whatever your remortgage needs are, ZINC Financial can help.
So why not take the first step and pick up the phone and call ZINC Financial on 1890 570 570. |
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How Much Will My Repayments Be?
Mortgage repayments are dependent on the following three items:
- Size of Mortgage
- Term of Mortgage
- Interest Rate
- Our Mortgage Repayment Calculator will let you know exactly what your monthly repayments will be.
Why Remortgage?
Maybe you have been with your existing lender for a few years now, and you think that there may be something better out there. You see adverts for lower interest rates, new lenders, new products, and ask yourself "How can I avail of these?" Maybe you have one or two borrowings that you want to refinance, avail of a lower interest rate on, and combine these into one easy to handle mortgage payment. Well if this is the case then we are here to help.
What Will it Cost me to Remortgage?
The only cost to you is the legal fees for switching your mortgage from one lender to another, but these legal costs are minimal, due to the fact that most lenders offer a rebate (€1,000) against legal fees for remortgage cases. The only other cost is a valuation fee that is €127, that is payable directly to the valuer to gain a value on the property to satisfy the lenders conditions. One last thing to note is that if you are on a fixed interest rate, then your existing lender will charge you a fee to break this rate.
Which Mortgage is Right for Me?
Each mortgage is different, and that is why we are eager to talk to you and discuss your situation. By doing this, then can we really understand your situation, and offer you advice and guidance on what is best for you. Our service is free, and even if you want to get a free financial checkup then feel free to do so, it does not cost you anything but your time. If there is an opportunity for us to save you money then we are delighted to help, if not, then we are delighted to be upfront and tell you that also.
Should I Remortgage my Car Loan or Credit Card?
We understand that from time to time, your monthly commitments such as credit cards, car loans, or personal loans can stretch your monthly finances. Refinancing these commitments by increasing your mortgage will save you money, by applying a lower interest rate on these borrowings, but we would recommend that you keep paying these loans off over the same period as the original personal loan borrowing, to make real savings.
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Warning: The cost of your monthly repayments may increase - If you do not keep up your repayments you may loose your home |
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Warning: You may have to pay charges if you pay off a fixed-rate loan early. |
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Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. |
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Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term. | |