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Remortgage
Coming to the end of your deal? We will talk through your options and help you switch smoothly.
Caveat
Mortgages, made simple.
Remortgage advice from specialist mortgage brokers
Whether you are looking to remortgage for a better rate, approaching the end of your current deal, or exploring changes to your mortgage terms, we will find the right solution for your circumstances.
We can also help if you’re looking to consolidate debts or release equity for home improvements.
Do not wait until your deal ends
One of the smartest moves you can make is securing a new mortgage rate before your existing deal expires. We can arrange your remortgage in advance, locking in a competitive rate while it’s available. Because you are not committed until your current deal ends, you can still switch if a better option comes along in the meantime.
Our specialist mortgage advisers will talk through every option and make sure you’re on the most suitable deal for your situation.
Important: Switching lenders may incur additional costs and an early repayment charge may apply if you remortgage before your current deal ends. We will make sure you understand the full picture before proceeding.
Why Remortgage?
Your Fixed Rate is Ending
Avoid reverting to your lender’s Standard Variable Rate, which is often significantly higher
Find a Better Deal
Interest rates change regularly. We will compare the options to find you better value
Release Equity
Borrow against your property’s increased value for home improvements or other needs
Consolidate Debts
Combine expensive credit into one manageable monthly payment (subject to advice)
How We Help
Check your current mortgage deal and any early repayment charges
Review your property value and equity position
Search available options to find the most suitable competitive rates
Handle the application and paperwork
Coordinate with your current and new lenders
Financial Difficulty
If you are experiencing financial difficulty and struggling to make repayments, you can contact your lender, who may be able to help based on your individual circumstances. You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice or Turn2Us.
Remortgage FAQs
What is a remortgage?
When should I consider remortgaging?
Can remortgaging reduce my monthly payments?
Can I remortgage to release equity from my property?
Yes. Some borrowers remortgage to release equity for purposes such as home improvements or other planned expenditure, subject to lender approval and affordability.
Are there costs involved in remortgaging?
Costs can include arrangement fees, valuation fees and legal costs. Some lenders offer remortgage products with incentives that may reduce upfront costs.
Is remortgaging always the right option?
Not always. Early repayment charges or higher fees can make remortgaging unsuitable in some cases. Advice should consider both short-term and long-term costs.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
Talk to a Remortgage Specialist
Book a chat and we will help you find the right deal for your circumstances.