Remortgage
Three Easy Steps to A Better Mortgage
A mortgage is the largest single outgoing for many people and their families. A remortgage can help manage your monthly payments and ensure you have the most competitive rate for you and your circumstances.
Getting
Started
We offer a free, no-obligation consultation to advise on options, next steps and timeframes. The remortgage market is increasingly complex, so professional advice to review your remortgage options is increasingly important.
Finding
an Offer
We will review your circumstances to obtain the most competitive and suitable remortgage solution.
Managing your Remortgage
In conjunction with a dedicated administrator, your adviser will manage the application process, and help ensure the new mortgage completes at the appropriate time.
Learn more about our Client Experience
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Meet John and Kate
John and Kate are a couple from Hertfordshire who live with their young child. John works as an Operations Manager in London, while Kate stays at home to care for their family.
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Why did John and Kate come to us?
With their fixed-rate mortgage nearing expiry, John and Kate wanted to secure a more competitive deal before it switched to the lender's standard variable rate. In addition, they were looking to raise extra funds to renovate their home, specifically to upgrade their kitchen.
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How did we assist them?
After conducting a thorough market search, we found a mortgage with an attractive rate tailored to their needs. We streamlined the entire application process, ensuring everything was handled efficiently, allowing them to complete the remortgage before their existing rate expired.
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The Outcome
John and Kate now have a competitive new mortgage, reducing their monthly payments. With the additional funds secured, they’re excited to move forward with their planned kitchen renovation.
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We are here to answer any questions you may have
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Remortgaging involves switching your current mortgage to a new deal, either with your existing lender or a new one. People typically remortgage to secure a new rate when their current rate expires, manage their monthly payments, or release equity for home improvements. It can save you money and provide financial flexibility.
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If your fixed-rate deal is coming to an end, a review of the mortgage market to review your options is important to ensure you secure a competitive new rate. We offer a free consultation to assess your current situation, and review the market for you.
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Yes, many homeowners remortgage to release equity from their property, which can be used for home improvements, debt consolidation, or other expenses. During our consultation, we’ll review your financial needs and guide you through the process of raising extra funds if needed.
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The remortgaging process typically takes 4-8 weeks, depending on your circumstances and the lender’s processing times. We’ll work with a dedicated administrator to handle all paperwork, liaise with the lender and solicitor, and we’ll aim to ensure that your new mortgage is in place before your current deal ends to avoid any unnecessary costs.
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Remortgaging may involve costs such as lender arrangement fees, valuation fees, and legal fees. However, many lenders offer fee-free deals, and we’ll always review your options to ensure we find the most cost-effective solution for your situation.
Get in Touch
If you’d like to learn more about how we can help you with your remortgage, or book your free initial consultation, please get in touch.