Thinking of Remortgaging?

Remortgaging means moving your existing mortgage to a new deal, either with your current lender or a new one — without moving home.

Many homeowners do this to reduce monthly payments, secure a better interest rate, or access funds tied up in their property.

Remortgage with confidence

What Is Remortgaging?

When your initial mortgage deal ends (often after 2–5 years), you usually move onto your lender’s Standard Variable Rate — which is often higher than the rate you started with. Remortgaging helps you avoid that jump by switching to a new deal that works better for your circumstances. It can also be an opportunity to borrow more for renovations or pay off your mortgage sooner.

Lower Your Monthly Payments

Securing a better rate could instantly reduce your monthly costs — and help you budget with confidence.

Raise Funds for Improvements

Access equity to upgrade your home, renovate, or cover large expenses without taking out a separate loan.

Reduce Your Mortgage Term

Keep your payments the same but shorten the term — helping you pay it off sooner and save long-term interest.

Debt Consolidation

Use your property’s value to roll debts into a single monthly payment, often at a lower interest rate than credit cards or loans.

Benefits of Remortgaging

Why Remortgage?

Be Prepared

Things to Consider When Remortgaging

Remortgaging isn’t always the right move — here are a few things to look out for:

Early Repayment Charges – Some mortgages have fees if you switch before the deal ends. We’ll help you weigh the cost vs benefit.
Valuation & Affordability – Your home may need a new valuation, and you’ll still go through affordability checks.
Timing – It’s ideal to start the process 3–6 months before your current deal ends to avoid slipping onto the SVR.
Your Credit File – Any recent financial changes (missed payments, new credit) can affect your options, but we can guide you through that.

FAQs

Is it worth remortgaging if my current deal still has time left?

Sometimes, yes — especially if rates have dropped or your circumstances have changed. We’ll check whether the savings outweigh any early repayment charges and help you make an informed decision.

Can I remortgage if my credit score has dropped?

It’s possible. While your options may be more limited, there are lenders who specialise in clients with imperfect credit. We’ll guide you through what’s available and what steps to take.

Will I need to pay fees to remortgage?

Some remortgages come with fees, while others offer incentives like free valuations or legal support. We’ll help you factor in all costs so you’re not caught out.

Do I have to move lenders to get a better deal?

Not necessarily. Sometimes your current lender offers competitive deals — this is called a product transfer. We’ll compare that with the wider market to make sure you’re not missing out.

How long does the remortgage process take?

It usually takes 4–8 weeks from application to completion. We’ll keep everything moving smoothly and keep you updated at every step.

First Time Buyer

As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.

Remortgage

Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.

Self Employed

We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.

Buy To Let

From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.