Mortgages / Remortgage
Remortgage Solutions
Your existing mortgage deal may no longer be the best available. We help you switch to a product that better reflects your current situation and the state of the market.
Common Motivations
Reasons to remortgage
Secure a Better Rate
If your current fixed or tracker rate is coming to an end, you may automatically move to your lender's standard variable rate, which is typically higher. Remortgaging at the right time can significantly reduce your monthly payments.
Release Equity
If the value of your property has increased since you took out your mortgage, you may be able to remortgage to a higher loan amount and release some of that equity as a lump sum — useful for home improvements, education, or other major costs.
Change Your Mortgage Term
Remortgaging gives you the opportunity to shorten or extend your mortgage term. Shortening it means you pay less interest overall; extending it can reduce monthly payments if affordability has changed.
Consolidate Debt
Some homeowners use a remortgage to consolidate higher-interest debts into a single, lower-rate mortgage payment. This can simplify your finances, though it does mean securing unsecured debt against your home.
Timing Matters
Is now the right time?
The ideal time to start exploring a remortgage is typically three to six months before your current deal expires. Many fixed and tracker products have early repayment charges if you switch sooner, so timing matters. We will review your existing deal and advise you on the most cost-effective moment to act.
If you are already on a standard variable rate, there is rarely a benefit to waiting. The market is always changing, and a timely remortgage can result in meaningful monthly savings over the life of your new deal.
Changes in your circumstances — a salary increase, the end of a fixed period, or growth in your property's value — can all open up better options. We review your full situation before making any recommendation.
Get Started
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Speak to one of our advisers — no obligation, no jargon.