What is a Remortgage?
Remortgage Advice Made Easy
A remortgage is when you replace your current mortgage with a new deal either staying with your existing lender or moving to a different one without changing your home.
People choose to remortgage for a variety of reasons. It can be a great way to reduce monthly payments, release some of the equity in your property, or move onto a deal that better fits your circumstances today.
When Remortgaging Makes Sense
Your Deal is Ending
Avoid moving onto your lender’s standard variable rate.
You Want to Release Equity
Borrow additional funds against your property for purposes such as home improvements or, in some cases, consolidating existing debts. This may not be suitable for everyone and could result in paying more interest over the term of your mortgage.
Ready to Remortgage?
Your Circumstances Have Changed
We’ll help you find a mortgage that fits your current situation.
Review Your Current Rate
Make sure your mortgage still suits your needs, even as rates change.
When Should You Start Looking at Remortgage Options?
Ideally, around 3 to 6 months before your current deal ends. This gives you time to explore your options and avoid slipping onto a higher variable rate.
How We Help
We make moving your mortgage straightforward and stress-free:
• Understand your budget & Equity
• Review mortgage options
• Obtain an Agreement in Principle
• Liaise with lenders, and solicitors
• Keep everything moving smoothly
You may have to pay an early repayment charge to your existing lender if you remortgage.