{"id":125589,"date":"2022-03-21T14:00:18","date_gmt":"2022-03-21T07:00:18","guid":{"rendered":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/what-happens-if-i-remortgage-two-or-three-years-into-a-fixed-rate-deal\/"},"modified":"2022-03-21T14:20:02","modified_gmt":"2022-03-21T07:20:02","slug":"what-happens-if-i-remortgage-two-or-three-years-into-a-fixed-rate-deal","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/what-happens-if-i-remortgage-two-or-three-years-into-a-fixed-rate-deal\/","title":{"rendered":"What happens if I remortgage two or three years into a fixed-rate deal?"},"content":{"rendered":"


\nI\u2019m an older first-time buyer and I\u2019m confused about how my payments will change over timeQ I\u2019m an older first-time buyer and intend to get a mortgage on a property that is worth no more than \u00a3110,000. The mortgage period is 15 years and I have a 15% deposit.As I\u2019m new to buying, I\u2019m confused about fixed-term mortgages. Am I correct in thinking that, in theory, if I were to remortgage after a, say, two- to three-year fixed rate, the loan-to-value rate will have gone down, as I will have paid off some of my mortgage and the house presumably would have risen in value and therefore my mortgage payments would be a little less? RH Continue reading…
\n
\nSource : theguardian.com
\nRead more…What happens if I remortgage two or three years into a fixed-rate deal?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

I\u2019m an older first-time buyer and I\u2019m confused about how my payments will change over...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-125589","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-wFD","jetpack-related-posts":[{"id":70290,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/british-homeowners-scramble-to-remortgage-as-interest-rate-rise-looms\/","url_meta":{"origin":125589,"position":0},"title":"British homeowners scramble to remortgage as interest rate rise looms","date":"October 28, 2017","format":false,"excerpt":"\r Rush for dwindling supply of fixed-rate deals as Bank of England is expected to increase base rate this weekHouseholders have been scrambling to grab fixed-rate mortgages before Thursday\u2019s expected interest rate rise, which would lead to the first increase in monthly loan payments in a decade.Staff at the big\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":140900,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/hsbc-joins-mortgage-rate-cutting-drive-with-deals-below-4\/","url_meta":{"origin":125589,"position":1},"title":"HSBC joins mortgage rate-cutting drive with deals below 4%","date":"January 3, 2024","format":false,"excerpt":"\r Five- and 10-year fixed-rate remortgage offers announced as lenders big and small reduce ratesHSBC has become the latest big UK lender to announce across-the-board mortgage interest rate cuts, with leading names announcing reductions of up to one percentage point.The bank\u2019s new deals announced on Wednesday include a headline-grabbing five-year\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":68942,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/remortgage-now-to-grab-a-cheap-fixed-rate-deal-before-theyre-gone\/","url_meta":{"origin":125589,"position":2},"title":"Remortgage now to grab a cheap fixed-rate deal \u2026 before they\u2019re gone","date":"October 13, 2017","format":false,"excerpt":"\r An expected interest rate rise means lenders are pulling their cheapest deals. We survey the best left on the marketIt\u2019s crunch time for anyone thinking about switching to a new\u00a0mortgage, after a string of lenders hiked the cost of their fixed-rate home loans.During the past few days, lenders have\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":38851,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/should-we-dip-into-our-savings-to-reduce-our-mortgage\/","url_meta":{"origin":125589,"position":3},"title":"Should we dip into our savings to reduce our mortgage?","date":"December 22, 2016","format":false,"excerpt":"\r We need to remortgage in a few months and wonder if it\u2019s best to lower the amount we need to borrow Q We are looking to move up the housing ladder and have managed to save \u00a360,000. However, we are struggling to find a house we like so it\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":139063,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/hsbc-and-natwest-cut-mortgage-rates-again-as-rivals-tipped-to-follow\/","url_meta":{"origin":125589,"position":4},"title":"HSBC and NatWest cut mortgage rates again as rivals tipped to follow","date":"September 5, 2023","format":false,"excerpt":"\r Decision will ease some of pressure on UK homebuyers and people seeking remortgage dealsHSBC and NatWest have announced a fresh round of mortgage rate cuts and Britain\u2019s remaining large lenders are expected to follow suit in a move that will ease some of the pressure on hard-pressed BritonsHSBC said\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":170496,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/getting-ready-to-remortgage-heres-how-to-get-the-best-rates\/","url_meta":{"origin":125589,"position":5},"title":"Getting ready to remortgage? Here\u2019s how to get the best rates","date":"February 4, 2026","format":false,"excerpt":"\r With 1.8m fixed-rate deals due to end this year, now\u2019s the time to dig out the details and look at what\u2019s on offer About 1.8m fixed-rate mortgage deals are due to end in 2026, and most of these borrowers will need to get a new home loan. 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