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Frequently Asked Questions

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Can I raise Cash by releasing funds from the equity in my property?
Whether you’re looking to raise money for home improvements, a deposit on a second home abroad, or anything else Finance Planning Direct can quickly assess if this is a good solution for you.

As a homeowner you may have thousands of pounds worth of equity in your property which may be an effective way of raising cash and it may not dramatically change your monthly outgoings.

Can I reduce my monthly payments?
Some homeowners may be paying out more on their mortgage than they need to. Finance Planning Direct can review your mortgage options for you, with the aim of reducing your monthly payments by finding you a lower interest rate. We’ll do all the leg work – you gain all the benefits.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Can I simplify my outstanding debts?
Having many different loans from different organisations can be confusing and costly. If you have equity in your property Finance Planning Direct can provide you with options to remortgage and consolidate your debts into one easy to manage monthly mortgage payment. We will review your current financial situation - saving you the time and money.

Adding existing debt to your mortgage could both extend the repayment term and increase the overall cost of the debt.

Can I buy-out my partner?
If you have a joint mortgage with your partner or friends and the time has come for you to go your separate ways, Finance Planning Direct can help you remortgage your property and buy your partner out by releasing their share of the equity and then transferring the mortgage into your sole name.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Can I get a mortgage if I am self employed?
Your income may be made up from - seasonal or contract work, casual labour, adhoc bonuses, commission or overtime payments which can make proving your income less than straight forward. Perhaps you have been self employed for less than 3 years, or you simply can’t prove the value of your earnings. Please enquire now to find out how Finance Planning Direct can explain the options you have available to you.

Can I get a mortgage if I have a poor history with my finances?
If you are facing repossession, have mortgage arrears, CCJ’s or other payment defaults we may be able to assist you as we have access to the whole mortgage market. We would like to take the headache of problem mortgages off your shoulders.

Can I get a mortgage if I have been declared bankrupt?
This would depend on your individual circumstances, however so long as you have been discharged from bankruptcy, even very recently, we may be able to assist you in finding a mortgage at competitive rates. Speaking to a Finance Planning Direct fully qualified adviser will ensure that you are provided with the best options available to you.

The overall cost for comparison is 5.2% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

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