{"id":34694,"date":"2016-11-17T14:00:41","date_gmt":"2016-11-17T07:00:41","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/we-may-have-to-let-our-house-next-year-will-that-affect-our-remortgage\/"},"modified":"2016-11-17T14:12:40","modified_gmt":"2016-11-17T07:12:40","slug":"we-may-have-to-let-our-house-next-year-will-that-affect-our-remortgage","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/we-may-have-to-let-our-house-next-year-will-that-affect-our-remortgage\/","title":{"rendered":"We may have to let our house next year \u2013 will that affect our remortgage?"},"content":{"rendered":"


\nMy girlfriend and I want to move to the continent and wonder if we need to get a buy-to-let deal when remortgagingQ My girlfriend and I got our first mortgage of \u00a3205,000 on a house in February 2015. The mortgage has a 30-year term and an interest rate of 2.3%, making our monthly repayments \u00a3790. We have made great efforts to make overpayments so that we are in a better position when we remortgage early next year. We are looking at a remortgage of \u00a3186,000 which \u2013 assuming the house is then worth \u00a3300,000 \u2013 will mean that the LTV (loan to value) should be just over 60%. We are hoping to find a mortgage with a rate of 1%. Continue reading…
\n
\nSource : theguardian.com
\nRead more…We may have to let our house next year \u2013 will that affect our remortgage?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

My girlfriend and I want to move to the continent and wonder if we need...<\/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-34694","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\/p75ss1-91A","jetpack-related-posts":[{"id":125589,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/what-happens-if-i-remortgage-two-or-three-years-into-a-fixed-rate-deal\/","url_meta":{"origin":34694,"position":0},"title":"What happens if I remortgage two or three years into a fixed-rate deal?","date":"March 21, 2022","format":false,"excerpt":"\r I\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\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":136491,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/uk-homeowners-tell-us-about-your-experience-of-trying-to-remortgage-your-property-in-2023\/","url_meta":{"origin":34694,"position":1},"title":"UK homeowners: tell us about your experience of trying to remortgage your property in 2023","date":"May 3, 2023","format":false,"excerpt":"\r We\u2019re keen to hear from UK homeowners who have to refix their residential mortgage in coming months or have done so recently, and how this will affect themMore than 1.4 million people will remortgage over the course of 2023, according to the Office for National Statistics (ONS).We\u2019d like to\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":151,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/i-want-to-remortgage-the-family-home-to-buy-my-daughter-a-flat-my-worry-is-tax\/","url_meta":{"origin":34694,"position":2},"title":"I want to remortgage the family home to buy my daughter a flat \u2013 my worry is tax","date":"December 17, 2015","format":false,"excerpt":"\r The plan is to grant her an informal mortgage, which she could pay directly to the bank, but would her repayments be considered taxable rental income for me?Q My daughter is struggling to have a mortgage approved on a new flat costing \u00a3200,000. At the same time, my wife\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":34694,"position":3},"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":71046,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/should-we-pay-a-penalty-and-remortgage-while-rates-are-low\/","url_meta":{"origin":34694,"position":4},"title":"Should we pay a penalty and remortgage while rates are low?","date":"November 6, 2017","format":false,"excerpt":"\r We can\u2019t work out if it would be cost-effective or notQ There has been a lot in money advice columns recently about remortgaging now to secure a low interest rate, and my husband and I are really confused.Our outstanding fixed-rate mortgage is \u00a3165,000 on a property valued at \u00a3280,000.\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":34694,"position":5},"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":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/34694"}],"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=34694"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/34694\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=34694"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=34694"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=34694"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}