Helping you Remortgage with confidence
If your current mortgage deal is coming to an end, then it’s time to start looking into your remortgage options. Since 1995, we've helped thousands of homeowners remortgage on terms that suit them. Speak to an advisorMeet the team
Reserve your interest rate, without lifting a finger
If your existing lender is offering a competitive interest rate while your current deal is coming to an end, we can switch your product with your existing lender seamlessly.
We’ll deal with all the paperwork on your behalf, saving you time spent on admin.
In some cases, switching from a higher rate to a lower rate can mean that you can switch before your current deal ends and start saving sooner. We’ll advise you if this is the case.
What are the common reasons to remortgage?
There are numerous reasons why you might want to remortgage:
- You want to borrow more for home improvements
- You want a better rate
- You want to change the terms of your mortgage ie. switch to an interest only mortgage.
- Your property has significantly increased in value and you want to access some of the equity.
- You’re worried about increasing interest rates and want to protect yourself from future rate increases.
- You want to reduce your monthly payment if it’s becoming unmanageable due to a change in circumstance.
If any of the above apply to you or you have any additional questions regarding the remortgage process, please contact us for a free mortgage health check.
It’s never too early to explore your remortgage options
Remortgaging early is important because when your fixed deal ends, it’s likely you’ll end up on your lender’s Standard Variable rate. This is usually a high rate, and it could cost you thousands if you leave it too late.
The sooner you start the remortgage process, the better. We can help you reserve a mortgage product for your remortgage up to 6 months in advance and advise on your options even before your 6 month window opens.
As one of our valued clients, we’ll contact you when it’s time to remortgage in the future, so you don’t have to worry about it.
Tell us about your mortgage requirements
Frequently asked questions
What exactly is a remortgage?
In essence, a remortgage is transferring the debt from your current lender to a new lender who will then offer you a new product.
How long does the remortgage process take?
The timescale of a remortgage can vary depending on the lender and the complexity of your situation. It typically takes 2-8 weeks from start to finish.
Are there any hidden costs when remortgaging?
Some lenders charge arrangement fees on their products which can be added to the mortgage balance to avoid you having to pay up front.
Most lenders will offer a free mortgage valuation and legal fees too, but not always.