REMORTGAGE ADVICE
Your home. Your next mortgage chapter.
Coming to the end of your deal, planning home improvements or reviewing your monthly payments? Let's explore your options together.
Free initial consultation. No obligation to proceed.
What would you like to review?
Your deal is ending
Explore your options before your current deal ends.
Your payments and flexibility
Review your monthly payments and the flexibility available.
Your home improvements
See how a remortgage could help with your plans.
A little planning gives you more time.
Start reviewing your options around 6 months before your current deal ends.
We'll check the timing and any early repayment charges.
Stay with your lender or make a move?
Stay with your current lender
A new deal with your existing lender is called a product transfer or rate switch.
Switch to a different lender
A remortgage replaces your existing mortgage with one from a new lender.
We'll compare rates, fees, features and the overall cost of suitable options.
A clearer route to your next deal
01
Review your mortgage
We'll look at your current deal and understand your goals.
02
Compare your options
We'll find suitable mortgages and explain the differences.
03
Apply with support
We'll submit your application and keep you updated.
04
Completion
We'll liaise with the lender to ensure the new deal starts on time.
Personal advice for what comes next.
We'll explain your options, help with your application and keep you updated.
Helpful info for our first chat:
- Your current mortgage balance
- Your rate and deal end date
- Your income and regular outgoings
- Any future plans or upcoming changes
Your remortgage questions, answered
When should I start reviewing my mortgage?
You should start reviewing your mortgage 3-6 months before your current deal ends. Starting early ensures you won't revert to your lender's higher Standard Variable Rate, and gives you time to secure a new rate before any unforeseeen rate rises.
Do I have to change lenders?
No. We will review all your options and compare what your current lender offers you as an existing client versus what other lenders have on offer for you to switch to.
Will remortgaging reduce my payments?
Possibly. It depends on what your current interest rate is and what mortgage products are available now for you to switch to.
Can I borrow more for home improvements?
You may be able to borrow additional funds for home improvements. It will depend on your circumstances, and we will be happy to explore this option for you.