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When considering a re-mortgage to raise capital, it’s essential to understand how interest rates can impact your decision. Typically, the interest rates on a capital raising re-mortgage are higher than those on a standard re-mortgage. However, the exact interest rates you’re offered will depend on several factors, including your credit score, the loan-to-value ratio, and the lender’s criteria.

If you’re considering a capital raising re-mortgage, it’s essential to shop around and compare rates from multiple lenders. By doing so, you can ensure you’re getting the best deal available to you. However, it’s important to remember that interest rates aren’t the only factor to consider when choosing a lender. We will happily do this on your behalf.

Our brokers would advise you on appropriate lenders for a capital raising re-mortgage including the lender’s fees, the length of the mortgage term, and any early repayment charges. By considering all these factors, we will advise you of a lender that offers the best overall deal for your needs.

Another important thing to keep in mind is that interest rates on a capital raising re-mortgage can be fixed or variable. Fixed-rate mortgages provide stability by locking in your interest rate for a set period, usually between two and five years. Variable-rate mortgages, on the other hand, can fluctuate over time, meaning your monthly payments may increase or decrease.

Ultimately, the choice between a fixed or variable-rate re-mortgage will depend on your personal circumstances and financial goals. If you’re looking for stability and predictability in your monthly payments, a fixed-rate re-mortgage may be the best option for you. However, if you’re comfortable with the possibility of fluctuating payments, a variable-rate re-mortgage may offer more flexibility.

In summary, when considering a capital raising re-mortgage, it’s essential to consider all the factors that can impact your decision, including interest rates, lender fees, and the mortgage term. By doing so, we can advise you of a lender and mortgage product that meets your needs and helps you achieve your financial goals.

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