The word re-mortgage can have different meanings to different people.

In its simplest it means moving from one uncompetitive lender to a more competitive lender in order to save money on the monthly repayment amount.

Further to this there may be the opportunity to raise extra money from the value of your property in order to finance such items as a car, a second property, a holiday and such like.

Many people also take the opportunity of a re-mortgage to consolidate expensive other loans into one lower monthly payment.

It costs nothing for you to allow our advisers to inform you what lenders can save you the most money.

Please complete the express application form or contact us on info@james-cargill.com 

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED UPON IT 

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James Cargill Ltd is authorised and regulated by the Financial Services Authority for the provision of mortgage advice and arranging insurance. James Cargill Ltd is licensed under the Consumer Credit Act 1974 to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling, credit reference agency and canvassing off trade premises.

Only upon completion our fee is up to 3% (maximum).

In simple terms the Data Protection Act requires companies and individuals who process and retain information about their customers to tell the customer how the information will be used and to what purposes it will be put. The Act does not restrict itself only to information kept on a computer; it is relevant to any ordered filing system. The information below describes how your data will be processed. If your information is to be processed differently the trader will tell you.

Call Recording: Calls to our offices may be recorded, this is for our protection and yours. Calls are used for training and monitoring purposes and may be used in the unlikely event of a complaint.

Your home may be repossessed if you do not keep up repayments on your mortgage.

In some instances lower payments from debt consolidation may result in the lengthening of repayment terms leading to higher overall interest payable.

The overall cost for comparison is 7.9% APR. We expect at least 66% of our customers to achieve a rate better than this.