If you’re looking to review your current mortgage, our advisers can help you explore remortgaging options and explain how different products may work for your circumstances.
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If you already have a mortgage, remortgaging may help you review your current deal — whether that’s exploring alternative interest rates, adjusting your mortgage term, or accessing additional borrowing for purposes such as home improvements, subject to lender criteria.
Whether your current deal is ending or you simply want to review your options, our advisers can help explain what’s available and how different remortgage options may work for your circumstances.
From reviewing available lender products to supporting you through the application process, we aim to make switching your mortgage clearer and easier to understand, with guidance tailored to your individual goals.
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Answer a few questions about your circumstances, property plans, and what you’re looking to achieve.
Your expert will search to recommend a suitable mortgage product for your circumstances, potentially saving you money.
We’ll support you through the application process, help prepare the required documentation, and liaise with lenders and solicitors as needed.
Your property may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it.
We’ll send you important industry news and information to keep you in the loop with what’s happening in the mortgage industry.
Explore some of the most common mortgage options and learn how they work, whether you’re remortgaging, buying, or investing.
Your monthly payments stay the same for an agreed period (often 2, 3, or 5 years). This option may suit borrowers who prefer predictable payments during the fixed period.
Your payments move up or down in line with the Bank of England base rate. This means payments can fall if rates reduce, but they can also increase if rates rise.
Your payments can change depending on your lender’s rate. Payments may increase or decrease over time, depending on changes set by the lender.
An offset mortgage links your savings to your mortgage balance, which may reduce the amount of interest charged. The impact will depend on your mortgage terms and savings balance.
A flexible mortgage may allow features such as overpayments, underpayments, or payment holidays, subject to lender terms and conditions.
Capital raising involves borrowing additional funds against your property for purposes such as home improvements or other needs, subject to affordability checks and lender criteria.
If your mortgage deal has ended or is due to end, you may move onto your lender’s standard variable rate (SVR), which is often higher than other rates available at the time. Reviewing your options may help you understand whether remortgaging could reduce your repayments.
Illustrative example: A £200,000 mortgage with a 1% lower interest rate could reduce repayments by around £2,000 a year, depending on the mortgage term and repayment type.
(This example is for illustration only. Actual savings depend on individual circumstances.)
Our advisers can help review your current mortgage and explain whether remortgaging may be suitable for you.
Remortgage your existing buy to let a better deal.
Remortgage your existing buy to let a better deal.
Remortgage your existing buy to let a better deal.
Remortgage your existing buy to let a better deal.
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It’s generally a good idea to start reviewing your remortgage options around 3–6 months before your current deal ends. This can give you time to explore available options before your lender moves you onto their standard variable rate (SVR), which is often higher.
Yes, you can remortgage before your current deal ends, but it’s important to check for early repayment charges (ERCs). In some cases, the potential benefits of switching may outweigh these costs. Our advisers can help you assess whether this may be suitable for your circumstances.
Any potential savings will depend on your mortgage balance, interest rate and term. In some cases, a lower interest rate could reduce your monthly repayments.
Yes — if your property’s value has risen or your financial situation allows, you may be able to release equity for home improvements, debt consolidation, or other goals. Any additional borrowing is still secured against your property.
Yes — this is often referred to as a product transfer. Your lender may offer new deals for existing customers. However, it can also be useful to compare these with options available from other lenders to understand what may be suitable for your circumstances.
Some remortgages may involve fees such as arrangement fees, valuation fees or legal costs. In some cases, lenders may offer features such as free valuations or cashback. An adviser can help you compare the overall cost of different options, not just the interest rate.
Some re-mortgages include arrangement fees, valuation fees, or legal costs, but many deals come with incentives such as free valuations or cashback. We’ll help you compare the total cost, not just the interest rate.
Some lenders consider applications from borrowers with adverse credit, although criteria can vary significantly. An advisor can help explain which lenders may be appropriate and what steps could help strengthen an application.
You’ll usually need proof of income, bank statements, identification, and details of your current mortgage. Having these ready can help lenders assess your application more efficiently.
he remortgage process can vary depending on the lender, your documentation and your circumstances. In many cases, it may take several weeks. An advisor can help manage the process and keep you informed as it progresses
Your property may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it.
