remortgage with ccjs ? we like to say yes !

Are you one of the 1000's of people who suddenly find your face doesn't fit? It was only a short while ago your bank would welcome you with open arms. Today that all seems to have changed. Join us online at Switch Finance UK and be treated like a person, not a risk. We promise to treat you with respect and do our utmost to find the right remortgage for you.

Our extensive network has access to most mainstream and adverse lenders making your search easy and simple.


It's our job to make your life as simple as possible and ensure a remortgage ccjs is not a barrier to achieving your financial goals. A remortgage through us may get you a better loan rate, remortgage to save money, remortgage to save on monthly payments. It pays to shop around. A new remortgage deal may also allow you to pay off your loans earlier, or raise cash for a new car or holiday. You may also use your new remortgage deal to raise funds for home improvements or extend your home. Extra cash may also allow you to consolidate debts, especially unsecured debts on a higher interest rate. This may cut your monthly repayments.











You can go to your current lender and ask for a new remortgage deal. Or you can try us here at Switch Finance. We have access to most major remortgage lenders and between us deal with 1000's of remortgage products and remortgage deal applications. We try and make your remortgage process simple !


It is simpler to remortgage than secure a new mortgage. Click on a link that suits you best for a fast response. A qualified advisor will review your remortgage enquiry and contact you to ensure they have all the right details. Depending upon your specific circumstances they will apply to the most appropriate remortgage lender. You then receive and review your remortgage deal offer. Once you accept your remortgage offer, the legal process takes place and conveyancing is carried out. Your remortgage advance is then made available to you and your Solicitor will pay off your original loan before sending the surplus remortgage funds to you. 


Although it is invariably cheaper to get a new remortgage deal through us than secure a new mortgage, you may have to pay some remortgage costs. For example valuation charge, legal fees, arrangement fee, broker fee, redemption penalty. These should be negotiated with your new remortgage lender and legal representative. Even after these costs it is generally cheaper to remortgage, but you should still calculate them carefully before committing to your new remortgage deal.


Self-employed "in the dark" About Self Cert Remortgage Deal - 'Half of the self-employed and those with second incomes do not know about self-cert mortgages and remortgage deals, according to a new survey. A poll by Mortgage Express revealed that 71 per cent of self-employed and secondary income workers are unaware of how self-cert mortgages and remortgage deal work and 49 per cent did not know of their existence.

Furthermore 56 per cent did not know they might not be eligible for a standard mortgage. Andy Wiggans, director of mortgage products at Mortgage Express, said: "Our findings show that the potential self-cert market is strong and has grown by an estimated 15 per cent over the past four years. "Yet lack of consumer awareness regarding this product is still preventing many eligible consumers from getting on or climbing up the property ladder."

 He added that while self-cert mortgages were not ideal for all, they could be a solution for those are dependant on secondary or variable incomes. "With the expertise that intermediaries have, they are ideally placed to demystify self-cert, ensuring that clients are provided with the best guidance possible," he said. Source: AOL/Mortgage Express.

The Rise Of UK Consumer Spending - Consumer spending has hit 1.09 trillion per year as Britons fork out more on housing and holidays a report says. The 9% year-on-year rise was partly caused by people splashing out on travel and "trading up" on luxury goods according to analysts Mintel. But buying property and remortgaging is still the nations biggest financial outlay accounting for almost 4 in every 10 spent.

Mintel reported financial decisions such as paying off credit cards, improving homes and paying off mortgages early came lower down the list of priorities, but were still most peoples biggest and major financial decision. Source: AOL/Mintel

Blacklisted ? -  Contrary to popular belief there's no such thing as a credit or finance blacklist. If you think you have been credit blacklisted (or more to the point a friend in a pub tells you a problem remortgage blacklist exists) you are both wrong. A third of the population has been refused credit at some point, but 40% of this group have no idea why. Separate fact from fiction with our easy guide. LEARN MORE

Tips On Loans And Debts -  Some 2.5 million people in Britain are struggling with paying back their debts, a rise of 700,000 people in just six months, new figures reveal. A YouGov poll commissioned by debt consultancy firm Thomas Charles found 8.4 million people or one in five of the UK population has unsecured debts of over 10,000. You may find it easier to remortgage and pay off your unsecured debts. Read our guide on managing your finances. LEARN MORE

Using A SubPrime Lender May Not Be Such A Bad Thing -  Life can be a very simple thing. We all have wants and needs and will do our best to get them. If things are not easily available we are hunters, we find other ways of achieving them. This is also true for our financial goals. What we cannot find in one way, we will find in another. So you cannot get your remortgage from a high street lender, why not remortgage with a problem remortgage lender ? As long as they are regulated and professional, why shouldn't you ? LEARN MORE

Insolvency Hot Spots -  With interest rates fluctuating again and remortgages at an all time high the national debt is also rising and looks to bust the 1.3 trillion mark. There were 107,000 insolvencies recorded in England And Wales last year a rise of 60%. However, a little known fact is the sleepy seaside town of Torquay is the insolvency hotspot of the UK. Shocked. Here are the top 10 insolvency hotspots in the UK. LEARN MORE


This site is for UK customers only. Consumer Credit License 578758. Data Protection Z881639X.  Switch Metro Finance. PO Box 575 Orpington, Kent, BR6 8WD. It is an introducer of clients to regulated and unregulated mortgage lenders/brokers. The content of our site should be read as 'information' and not 'advice'. We do not charge the client for use of our service, but we may receive an introductory fee from the lender/broker. Switch Finance Group or our subsidiaries hold no responsibility for any advice given by our partner companies. The Financial Services Authority (FSA) provides introducers with exemption from their regulation should they comply with the following requirements: (1) Introducers introduce clients to FSA regulated firms and (2) the introduction is made with a view to the borrower being provided with independent advice. This subsidiary is therefore exempt from FSA regulation as each of the highlighted points. Whilst we will try and ensure this site is available 24 hours a day, we cannot be liable should it become unavailable at any time. No warranty, express or implied is given to its accuracy and content. Switch Metro Finance Group, its associated subsidiaries or partners do not accept liability whatsoever for error or omission. Switch Metro Finance Group its Directors, employees, suppliers, partners or associates shall not be liable for any damages (including without limitation, damages for loss of business or profits of personal finance) arising in contract tort or otherwise from the use or inability to use this site, or any material or services obtained from it, or any action or decision taken as a result of using this site or materials contained herein. Information on, or links from this site contain information from third parties. The third parties are responsible for the accuracy and legality of such information and that it complies with local, national and foreign law. Switch Metro Finance Group and its subsidiaries will not be held liable for errors or omissions by third parties. All applications are subject to status, and brokers and lenders terms and conditions. In considering your application some brokers and lenders may search your credit record at one or more credit reference agencies who may record this. By placing your enquiry with us you give your whole consent (and that of any other persons who you apply on behalf of) for us or any or our partners to conduct a credit search in respect of this business. Switch Metro Finance Group and its subsidiaries accept no liability whatsoever including business or personal financial loss caused by contact, communication, negotiations or contract between the user our partners, associates, lenders or other third parties.


This site is a portal for users to place their enquiries. By placing information on this site, users give their whole consent to Switch Metro Finance Group and its subsidiaries to store their information and then pass it onto our partners and other relevant companies who we feel can meet their needs. This includes the right for those companies to re-contact the user given the information provided to offer their products and services. Switch Metro Finance is registered with the Data Commissioner registration number Z881639X. We will store all data supplied and only use it for the purposes for which it was submitted. A user can contact us at anytime and we will happily state where the information is stored and how, if required, it can be removed. These terms and conditions shall be governed by English Law. Should any of the terms be determined to be illegal or otherwise unenforceable, the remaining terms shall survive in place without constriction.


All information, materials and layout of this site are copyright to the Switch Metro Finance Group and associated companies. Copyright 2004-2007.

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