{"id":479,"date":"2026-04-10T21:15:45","date_gmt":"2026-04-10T21:15:45","guid":{"rendered":"https:\/\/iovufinancialservices.co.uk\/?p=479"},"modified":"2026-04-10T21:16:53","modified_gmt":"2026-04-10T21:16:53","slug":"ce-este-remortgage-si-cum-functioneaza","status":"publish","type":"post","link":"https:\/\/iovufinancialservices.co.uk\/en\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/","title":{"rendered":"What is remortgaging and how does it work?"},"content":{"rendered":"
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n

Remortgajarea \u00eenseamn\u0103 s\u0103 \u00ee\u021bi schimbi ipoteca actual\u0103 cu un nou acord \u2013 fie la acela\u0219i creditor, fie la unul diferit.<\/span><\/p>\n

Mul\u021bi aleg s\u0103 fac\u0103 remortgage pentru a elibera bani din valoarea locuin\u021bei \u0219i a-i folosi pentru renov\u0103ri sau alte proiecte. Un alt motiv apare la finalul perioadei ini\u021biale (de exemplu, dup\u0103 2 sau 5 ani de rat\u0103 fix\u0103). Dac\u0103 nu faci remortgage, creditul t\u0103u trece automat pe <\/span>rata variabil\u0103 standard<\/b>, care este, de obicei, mult mai mare.<\/span><\/p>\n

O alternativ\u0103 este <\/span>transferul de produs<\/b>, prin care r\u0103m\u00e2i la acela\u0219i creditor dar treci pe un alt produs ipotecar, f\u0103r\u0103 s\u0103 mai treci printr-un proces complet de aplicare.<\/span><\/p>\n

C\u00e2nd este un moment bun pentru remortgage?<\/b><\/p>\n

Cel mai potrivit moment este atunci c\u00e2nd acordul actual se apropie de sf\u00e2r\u0219it. Dac\u0103 ipoteca ta cu rat\u0103 fix\u0103 de 5 ani expir\u0103, vei trece la rata variabil\u0103 standard \u0219i pl\u0103\u021bile lunare vor cre\u0219te.<\/span><\/p>\n

Po\u021bi face remortgage \u0219i atunci c\u00e2nd valoarea locuin\u021bei a crescut semnificativ. Astfel, po\u021bi \u00eemprumuta suplimentar pentru renov\u0103ri, investi\u021bii sau chiar pentru consolidarea datoriilor.<\/span><\/p>\n

Un alt scenariu: dac\u0103 la \u00eenceput ai avut nevoie de o perioad\u0103 lung\u0103 de rambursare (ex. 35 de ani), dar \u00eentre timp venitul t\u0103u a crescut \u0219i cheltuielile s-au redus, po\u021bi alege s\u0103 scurtezi termenul ipotecii. Asta \u00eenseamn\u0103 dob\u00e2nzi mult mai mici pl\u0103tite pe termen lung.<\/span><\/p>\n

C\u00e2nd nu este avantajos s\u0103 faci remortgage?<\/b><\/p>\n

    \n
  • Dac\u0103 ai pierdut locul de munc\u0103 sau ai un venit instabil (ex. afacere nou\u0103 f\u0103r\u0103 istoric contabil). \u00cen acest caz, creditorii vor analiza venitul ca pentru o ipotec\u0103 nou\u0103, iar \u0219ansele de aprobare sunt reduse.<\/span>

    <\/span><\/li>\n
  • Dac\u0103 ipoteca actual\u0103 are <\/span>penalit\u0103\u021bi mari pentru rambursare anticipat\u0103<\/b> (\u00eentre 1% \u0219i 5% din sold). \u00cen aceast\u0103 situa\u021bie, poate fi mai bine s\u0103 a\u0219tep\u021bi p\u00e2n\u0103 la finalul perioadei fixe.<\/span>

    <\/span><\/li>\n
  • Dac\u0103 vrei doar o sum\u0103 suplimentar\u0103, exist\u0103 op\u021biunea de <\/span>avans suplimentar<\/b> (additional borrowing) direct de la creditorul actual, f\u0103r\u0103 a schimba \u00eentreaga ipotec\u0103.<\/span>

    <\/span><\/li>\n<\/ul>\n

    Ce tipuri de remortgage exist\u0103?<\/b><\/p>\n

      \n
    1. Remortgage standard<\/b> \u2013 schimbi creditorul, ob\u021bin\u00e2nd mai mult\u0103 flexibilitate \u0219i op\u021biuni.<\/span>

      <\/span><\/li>\n
    2. Transfer de produs<\/b> \u2013 r\u0103m\u00e2i la acela\u0219i creditor \u0219i treci pe un alt produs.<\/span>

      <\/span><\/li>\n
    3. Avans suplimentar<\/b> \u2013 ob\u021bii o sum\u0103 extra, p\u0103str\u00e2nd ipoteca existent\u0103.<\/span>

      <\/span><\/li>\n<\/ol>\n

      De ce s\u0103 faci remortgage la sf\u00e2r\u0219itul unei perioade fixe?<\/b><\/p>\n

      C\u00e2nd ai stabilit ipoteca, probabil ai avut o rat\u0103 fix\u0103 avantajoas\u0103 pe 2, 3 sau 5 ani. Dup\u0103 expirarea acesteia, dac\u0103 nu faci nimic, ratele dob\u00e2nzii cresc \u0219i pl\u0103\u021bile tale devin mult mai mari.<\/span><\/p>\n

      De aceea, e bine s\u0103 \u00eencepi procesul <\/span>cu 6 luni \u00eenainte de expirarea acordului<\/b>. Avantaje:<\/span><\/p>\n

        \n
      • Po\u021bi rezerva din timp o rat\u0103 bun\u0103 \u0219i e\u0219ti protejat dac\u0103 dob\u00e2nzile cresc.<\/span>

        <\/span><\/li>\n
      • Dac\u0103 dob\u00e2nzile scad, brokerul poate renegocia pentru tine un produs mai ieftin.<\/span>

        <\/span><\/li>\n<\/ul>\n

        \u00cen plus, un remortgage poate dura p\u00e2n\u0103 la 3 luni, deci e mai sigur s\u0103 \u00eencepi devreme.<\/span><\/p>\n

        Cum \u00ee\u021bi cre\u0219ti \u0219ansele pentru un remortgage bun?<\/b><\/p>\n

          \n
        • P\u0103streaz\u0103-\u021bi un scor de credit bun: pl\u0103te\u0219te facturile la timp, seteaz\u0103 debit direct.<\/span>

          <\/span><\/li>\n
        • Verific\u0103 raportul de credit \u0219i corecteaz\u0103 eventualele erori.<\/span>

          <\/span><\/li>\n
        • \u00cencepe procesul cu cel pu\u021bin 6 luni \u00eenainte.<\/span>

          <\/span><\/li>\n<\/ul>\n

          Ce costuri sunt implicate?<\/b><\/p>\n

            \n
          • Transfer de produs<\/b>: de obicei, nu implic\u0103 taxe de avocat sau evaluare. Pot exista \u00eens\u0103 taxe de produs sau comision pentru broker.<\/span>

            <\/span><\/li>\n
          • Remortgage standard<\/b>: ai nevoie de avocat, dar mul\u021bi creditori ofer\u0103 pachete cu avoca\u021bi \u0219i evaluare gratuite sau \u00ee\u021bi ramburseaz\u0103 cheltuiala. \u00cen general, costurile sunt \u00eentre <\/span>250 \u0219i 400 \u00a3<\/b>, nu 1.500\u20132.000 \u00a3 ca la cump\u0103rarea unei case.<\/span>

            <\/span><\/li>\n<\/ul>\n

            Cum te ajut\u0103 un broker ipotecar?<\/b><\/p>\n

            Dac\u0103 mergi direct la banca ta, vei vedea doar produsele ei. Dar un broker are acces la o gam\u0103 mult mai larg\u0103 \u0219i \u00ee\u021bi poate g\u0103si oferte mai avantajoase.<\/span><\/p>\n

            Doar pentru c\u0103 banca ta a fost cea mai bun\u0103 op\u021biune acum c\u00e2\u021biva ani, nu \u00eenseamn\u0103 c\u0103 este \u0219i acum. Cu ajutorul unui broker, po\u021bi economisi mii sau chiar zeci de mii de lire sterline pe termen lung.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

            Remortgajarea \u00eenseamn\u0103 s\u0103 \u00ee\u021bi schimbi ipoteca actual\u0103 cu un nou acord \u2013 fie la acela\u0219i creditor, fie la unul diferit. Mul\u021bi aleg s\u0103 fac\u0103 remortgage pentru a elibera bani din valoarea locuin\u021bei \u0219i a-i folosi pentru renov\u0103ri sau alte proiecte. Un alt motiv apare la finalul perioadei ini\u021biale (de exemplu, dup\u0103 2 sau 5 ani […]<\/p>\n","protected":false},"author":2,"featured_media":480,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\nCum cumperi prima cas\u0103 \u00een UK \u00een 2025 - Ghid pentru rom\u00e2ni<\/title>\n<meta name=\"description\" content=\"Ghid pas cu pas pentru first time buyers din UK. Afla\u021bi c\u00e2\u021bi bani v\u0103 trebuie, ce scheme de ajutor exist\u0103, ce documente preg\u0103ti\u021bi \u0219i cum v\u0103 ajut\u0103 un mortgage broker independent.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iovufinancialservices.co.uk\/en\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cum cumperi prima cas\u0103 \u00een UK \u00een 2025 - Ghid pentru rom\u00e2ni\" \/>\n<meta property=\"og:description\" content=\"Ghid pas cu pas pentru first time buyers din UK. Afla\u021bi c\u00e2\u021bi bani v\u0103 trebuie, ce scheme de ajutor exist\u0103, ce documente preg\u0103ti\u021bi \u0219i cum v\u0103 ajut\u0103 un mortgage broker independent.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iovufinancialservices.co.uk\/en\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/\" \/>\n<meta property=\"og:site_name\" content=\"Iovu Mortgage Broker\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-10T21:15:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-10T21:16:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iovufinancialservices.co.uk\/wp-content\/uploads\/2026\/04\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#\\\/schema\\\/person\\\/780242daf0b28ca72af25bf3a2d4cb6e\"},\"headline\":\"Ce este remortgage \u0219i cum func\u021bioneaz\u0103?\",\"datePublished\":\"2026-04-10T21:15:45+00:00\",\"dateModified\":\"2026-04-10T21:16:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/\"},\"wordCount\":677,\"publisher\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg\",\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/\",\"url\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/\",\"name\":\"Cum cumperi prima cas\u0103 \u00een UK \u00een 2025 - Ghid pentru rom\u00e2ni\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg\",\"datePublished\":\"2026-04-10T21:15:45+00:00\",\"dateModified\":\"2026-04-10T21:16:53+00:00\",\"description\":\"Ghid pas cu pas pentru first time buyers din UK. Afla\u021bi c\u00e2\u021bi bani v\u0103 trebuie, ce scheme de ajutor exist\u0103, ce documente preg\u0103ti\u021bi \u0219i cum v\u0103 ajut\u0103 un mortgage broker independent.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/#primaryimage\",\"url\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"Happy insurance agent shaking hands with young couple after successful meeting.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/2026\\\/04\\\/10\\\/ce-este-remortgage-si-cum-functioneaza\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ce este remortgage \u0219i cum func\u021bioneaz\u0103?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#website\",\"url\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/\",\"name\":\"Iovu Mortgage Broker\",\"description\":\"CIS Mortgage\",\"publisher\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#organization\",\"name\":\"Iovu Mortgage Broker\",\"url\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/cropped-craiyon_201813_image.png\",\"contentUrl\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/cropped-craiyon_201813_image.png\",\"width\":1766,\"height\":652,\"caption\":\"Iovu Mortgage Broker\"},\"image\":{\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/#\\\/schema\\\/person\\\/780242daf0b28ca72af25bf3a2d4cb6e\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3c38272c8a136686216dab3dfd115b0dfabd97b096a3750996040e913cc5d8e9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3c38272c8a136686216dab3dfd115b0dfabd97b096a3750996040e913cc5d8e9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3c38272c8a136686216dab3dfd115b0dfabd97b096a3750996040e913cc5d8e9?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\\\/\\\/iovufinancialservices.co.uk\\\/en\\\/author\\\/admin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cum cumperi prima cas\u0103 \u00een UK \u00een 2025 - Ghid pentru rom\u00e2ni","description":"Ghid pas cu pas pentru first time buyers din UK. Afla\u021bi c\u00e2\u021bi bani v\u0103 trebuie, ce scheme de ajutor exist\u0103, ce documente preg\u0103ti\u021bi \u0219i cum v\u0103 ajut\u0103 un mortgage broker independent.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/iovufinancialservices.co.uk\/en\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/","og_locale":"en_GB","og_type":"article","og_title":"Cum cumperi prima cas\u0103 \u00een UK \u00een 2025 - Ghid pentru rom\u00e2ni","og_description":"Ghid pas cu pas pentru first time buyers din UK. Afla\u021bi c\u00e2\u021bi bani v\u0103 trebuie, ce scheme de ajutor exist\u0103, ce documente preg\u0103ti\u021bi \u0219i cum v\u0103 ajut\u0103 un mortgage broker independent.","og_url":"https:\/\/iovufinancialservices.co.uk\/en\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/","og_site_name":"Iovu Mortgage Broker","article_published_time":"2026-04-10T21:15:45+00:00","article_modified_time":"2026-04-10T21:16:53+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/iovufinancialservices.co.uk\/wp-content\/uploads\/2026\/04\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Estimated reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/#article","isPartOf":{"@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/"},"author":{"name":"admin","@id":"https:\/\/iovufinancialservices.co.uk\/#\/schema\/person\/780242daf0b28ca72af25bf3a2d4cb6e"},"headline":"Ce este remortgage \u0219i cum func\u021bioneaz\u0103?","datePublished":"2026-04-10T21:15:45+00:00","dateModified":"2026-04-10T21:16:53+00:00","mainEntityOfPage":{"@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/"},"wordCount":677,"publisher":{"@id":"https:\/\/iovufinancialservices.co.uk\/#organization"},"image":{"@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/#primaryimage"},"thumbnailUrl":"https:\/\/iovufinancialservices.co.uk\/wp-content\/uploads\/2026\/04\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg","articleSection":["Uncategorized"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/","url":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/","name":"Cum cumperi prima cas\u0103 \u00een UK \u00een 2025 - Ghid pentru rom\u00e2ni","isPartOf":{"@id":"https:\/\/iovufinancialservices.co.uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/#primaryimage"},"image":{"@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/#primaryimage"},"thumbnailUrl":"https:\/\/iovufinancialservices.co.uk\/wp-content\/uploads\/2026\/04\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg","datePublished":"2026-04-10T21:15:45+00:00","dateModified":"2026-04-10T21:16:53+00:00","description":"Ghid pas cu pas pentru first time buyers din UK. Afla\u021bi c\u00e2\u021bi bani v\u0103 trebuie, ce scheme de ajutor exist\u0103, ce documente preg\u0103ti\u021bi \u0219i cum v\u0103 ajut\u0103 un mortgage broker independent.","breadcrumb":{"@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/#primaryimage","url":"https:\/\/iovufinancialservices.co.uk\/wp-content\/uploads\/2026\/04\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg","contentUrl":"https:\/\/iovufinancialservices.co.uk\/wp-content\/uploads\/2026\/04\/happy-insurance-agent-shaking-hands-with-young-couple-after-successful-meeting-scaled.jpg","width":2560,"height":1707,"caption":"Happy insurance agent shaking hands with young couple after successful meeting."},{"@type":"BreadcrumbList","@id":"https:\/\/iovufinancialservices.co.uk\/2026\/04\/10\/ce-este-remortgage-si-cum-functioneaza\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/iovufinancialservices.co.uk\/"},{"@type":"ListItem","position":2,"name":"Ce este remortgage \u0219i cum func\u021bioneaz\u0103?"}]},{"@type":"WebSite","@id":"https:\/\/iovufinancialservices.co.uk\/#website","url":"https:\/\/iovufinancialservices.co.uk\/","name":"Iovu Mortgage Broker","description":"CIS Mortgage","publisher":{"@id":"https:\/\/iovufinancialservices.co.uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iovufinancialservices.co.uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/iovufinancialservices.co.uk\/#organization","name":"Iovu Mortgage Broker","url":"https:\/\/iovufinancialservices.co.uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/iovufinancialservices.co.uk\/#\/schema\/logo\/image\/","url":"https:\/\/iovufinancialservices.co.uk\/wp-content\/uploads\/2026\/05\/cropped-craiyon_201813_image.png","contentUrl":"https:\/\/iovufinancialservices.co.uk\/wp-content\/uploads\/2026\/05\/cropped-craiyon_201813_image.png","width":1766,"height":652,"caption":"Iovu Mortgage Broker"},"image":{"@id":"https:\/\/iovufinancialservices.co.uk\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/iovufinancialservices.co.uk\/#\/schema\/person\/780242daf0b28ca72af25bf3a2d4cb6e","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/secure.gravatar.com\/avatar\/3c38272c8a136686216dab3dfd115b0dfabd97b096a3750996040e913cc5d8e9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3c38272c8a136686216dab3dfd115b0dfabd97b096a3750996040e913cc5d8e9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3c38272c8a136686216dab3dfd115b0dfabd97b096a3750996040e913cc5d8e9?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/iovufinancialservices.co.uk\/en\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/posts\/479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/comments?post=479"}],"version-history":[{"count":4,"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/posts\/479\/revisions"}],"predecessor-version":[{"id":484,"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/posts\/479\/revisions\/484"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/media\/480"}],"wp:attachment":[{"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/media?parent=479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/categories?post=479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iovufinancialservices.co.uk\/en\/wp-json\/wp\/v2\/tags?post=479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}