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  • A mortgage switch involves the movement from one mortgage to another. Also known as a remortgage or refinancing - Toronto and most especially in the UK - this type of loan allows you to pay off one mortgage with the proceeds of a new mortgage utilizing the same property as collateral.

    Usually Dawson Knox Bills Jersey , a mortgage switch involves two lenders. But there are also instances when you don't switch to another lender - especially when your current lender is able to give you a better deal. So why go to another right?

    To further understand what happens in a mortgage switch, let's take an example. Suppose you have an outstanding balance of $95,000 with an amortization period of 22 years. When you get a mortgage switch, the remaining balance and period will be transferred over to your new lender. Your legal obligation on your previous lender ends and that of the new one begins. Essentially, your new amortization would now be based on the numbers presented above Devin Singletary Bills Jersey , plus the new interest rate offered by your new lender.

    Reasons for Getting a Mortgage Switch

    Why do people resort to a mortgage switch? How would they benefit from this type of loan? Let's name a few of them:

    1. Another lender is offering a better interest rate or better mortgage terms

    Of course, who wouldn't want a financial arrangement that has a lower interest rate and better mortgage terms? No one, right? If something as enticing such as a loan with a lower interest rate comes, most probably, you would grab it.

    With a lower interest rate Cody Ford Bills Jersey , your loan will require you smaller payments. And this, ladies and gentlemen, is the primary reason why many people engage in a mortgage switch.

    2. You are unhappy with your current lender

    A lender-borrower scheme is a relationship. There should be a healthy professional relationship between a lender and a borrower. But in some cases, borrowers are unhappy with their current lender. The latter may not be that friendly to them or maybe harassing them when they are less likely to make timely payments at certain months.

    If you are in this situation, you ask yourself: why should I suffer? Indeed Ed Oliver Bills Jersey , why should you suffer with that unpleasant lender when there are others who can offer you another mortgage - Woodbridge or elsewhere? Why should you suffer when you can always change your lender? Why should you suffer when you have the choice of a mortgage switch?

    When is a Mortgage Switch Ideal?

    Mortgage experts recommend that you start the switching process 90-120 days before your renewal. This shall give your new lender time to take care of the necessary papers. This timeframe is also a fair notice period to your current lender.

    Are there Costs Involved?

    The simple switching of a mortgage from one lender to another entails no cost. This means that if you are simply employing another lender to take care of your loan, using the same terms and conditions, then you will not be charged with any fees or penalties.

    If the mortgage switch, on the other hand, involves some changes in the terms - such as longer amortization period or a bigger mortgage amount - then some fees are applicable. This "new" mortgage also needs to be re-registered - so legal fees and appraisal fees Zay Jones Bills Jersey , among others, will be imposed.

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