Remortgaging
Let’s make sure your mortgage is still working for you.
Is your current mortgage deal coming to an end? Or are you looking to save money on your monthly payments? Remortgaging could be the smart move.
We help homeowners switch to better mortgage deals whether it’s to get a lower interest rate, release equity, or adjust your repayment terms.
We’ll compare deals from across the market and find the one that suits your goals, whether you're staying with your current lender or switching to a new one.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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When should I consider remortgaging?
Usually 3–6 months before your current deal ends, or if you want to release equity or reduce monthly payments.
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Will I have to pay fees to switch?
Possibly. Some lenders charge exit or arrangement fees, but we’ll help you weigh the costs vs. savings.
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Can I remortgage with bad credit?
Yes, there are specialist lenders who may still offer competitive deals depending on your circumstances.
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Can I remortgage to consolidate debt?
Yes, but it’s important to understand the long-term costs. We’ll guide you through the pros and cons.
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Can I switch lenders when I remortgage?
Yes, and it’s often a good way to find better rates or terms. We’ll compare deals across the market for you.
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What is equity, and how can I release it?
Equity is the value of your home minus your mortgage. You can release equity by borrowing more against your property, often for home improvements or debt consolidation.
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Will I need a new valuation?
Yes, most lenders will require a property valuation, which is often free as part of the remortgage process.
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Can I remortgage early?
Yes, but check for early repayment charges on your current deal. We can help you calculate if it’s worth switching early.
