{"id":138169,"date":"2023-07-03T13:00:05","date_gmt":"2023-07-03T06:00:05","guid":{"rendered":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/do-we-have-any-remortgage-options-beyond-the-standard-variable-rate\/"},"modified":"2023-07-03T13:28:45","modified_gmt":"2023-07-03T06:28:45","slug":"do-we-have-any-remortgage-options-beyond-the-standard-variable-rate","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/do-we-have-any-remortgage-options-beyond-the-standard-variable-rate\/","title":{"rendered":"Do we have any remortgage options beyond the standard variable rate?"},"content":{"rendered":"


\nOur fixed term expires in a year and I fear we will not meet affordability checks for new dealQ My wife and I bought a house four years ago. We were lucky to have been given a large amount of money by our parents, so we had a big deposit of 40% and still had enough left to do a lot of work to the house (which badly needed it). So, when we come to remortgage, we will need a loan of about half the current value of the house.Even with a large deposit, we still needed to borrow as much as we could, which was five times our combined salary. Since then we\u2019ve gone from one to three kids, and my wife has finished a well-paid contract, without much prospect of another one to replace it any time soon. Continue reading…
\n
\nSource : theguardian.com
\nRead more…Do we have any remortgage options beyond the standard variable rate?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Our fixed term expires in a year and I fear we will not meet affordability...<\/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-138169","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-zWx","jetpack-related-posts":[{"id":185,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/can-we-remortgage-to-pay-off-the-equity-loan-on-our-home\/","url_meta":{"origin":138169,"position":0},"title":"Can we remortgage to pay off the equity loan on our home?","date":"November 5, 2015","format":false,"excerpt":"\r Property prices are rising so my fiance and I would like to pay off our Help to Buy loan but are unsure whether a remortgage is the best way to do thisQ My fiance and I have a joint mortgage on a new-build home in Scotland. The house cost\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":101436,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/should-i-remortgage-for-the-final-18-months-of-my-loan\/","url_meta":{"origin":138169,"position":1},"title":"Should I remortgage for the final 18 months of my loan?","date":"November 19, 2018","format":false,"excerpt":"\r I have an interest-only mortgage and I\u2019m a bit concerned in case the rate goes upQ My current fixed-rate mortgage deal ends about 18 months before my mortgage comes to an end in 2022. It\u2019s an interest-only mortgage so the last \u00a340,000 should be paid off by my endowment\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":83085,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/im-64-with-a-poor-credit-history-how-can-i-remortgage\/","url_meta":{"origin":138169,"position":2},"title":"I\u2019m 64 with a poor credit history \u2013\u00a0how can I remortgage?","date":"March 19, 2018","format":false,"excerpt":"\r It\u2019s worth looking at options such as equity release mortgages that could help you stay in your home Q My wife and I are stuck. We live in a house that we\u2019ve had for 25 years and our interest-only mortgage is due for repayment in six months\u2019 time. Our\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":76298,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/how-to-remortgage-your-home\/","url_meta":{"origin":138169,"position":3},"title":"How to remortgage your home","date":"March 17, 2009","format":false,"excerpt":"\r Would you like to cut you monthly repayments, pay off debts or reduce the term of your mortgage? You probably need to remortgage. Here's howRemortgaging is the process of moving your mortgage from one lender to another. There are four main reasons to do this:\u2022 to reduce your monthly\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":103617,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/rush-to-remortgage-ahead-of-brexit\/","url_meta":{"origin":138169,"position":4},"title":"Rush to remortgage ahead of Brexit","date":"February 1, 2019","format":false,"excerpt":"\r In a highly competitive market, UK borrowers are fixing deals for up to 10 years\r \r Source : ft.com\r Read more...Rush to remortgage ahead of Brexit","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":102266,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/homeowners-rush-to-remortgage-amid-brexit-uncertainty\/","url_meta":{"origin":138169,"position":5},"title":"Homeowners rush to remortgage amid Brexit uncertainty","date":"December 14, 2018","format":false,"excerpt":"\r Number refinancing is the highest for nearly 10 years\r \r Source : ft.com\r Read more...Homeowners rush to remortgage amid Brexit uncertainty","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/138169"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=138169"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/138169\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=138169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=138169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=138169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}