Remortgage
Professional Remortgage Advisory Services
Switching your mortgage to a better deal could save you thousands of pounds each year. Access to the whole mortgage market to find competitive rates tailored to your financial circumstances, whether you’re looking to reduce monthly payments, release equity, or secure a fixed rate before your current deal ends.
As a specialist mortgage broker, we provide transparent, personalised guidance throughout your remortgaging journey. See the standard mortgage fee information in the website footer. Every client receives an free initial consultation lasting approximately 2 hours, during which we thoroughly understand your needs, assess your existing mortgage, and outline the most suitable remortgage options available.
Why Remortgaging Can Transform Your Financial Future
Remortgaging offers significant opportunities to improve your financial situation. Access to the whole mortgage market, we help you compare remortgage deals and identify arrangements that genuinely work for your circumstances.
Lower Monthly Payments
Switching to a lower interest rate can substantially reduce your monthly mortgage payments. For example, moving from a 7.5% standard variable rate to a 4.5% fixed rate on a £200,000 balance could save approximately £350 per month—over £4,200 annually.
Release Equity
If your property value has increased, remortgaging can allow you to access equity in your home for purposes such as home improvements, debt consolidation, or other significant expenses.
Switch from Variable to Fixed Rates
Securing a fixed rate provides payment certainty, protecting you from potential interest rate rises and making budgeting straightforward.
Avoid Expensive Standard Variable Rates
In the UK mortgage market, remortgaging is often used to avoid high standard variable rates once fixed-rate deals expire. When your current mortgage deal ends, you typically revert to your lender’s SVR, which is often substantially higher than competitive fixed or tracker products.
Consolidate Debts
Rolling existing debts into your mortgage can create one manageable monthly repayment, though this increases your overall mortgage balance and should be carefully considered.
Adjust Your Mortgage Term
Changing your term allows you to either reduce monthly repayments by extending, or pay off your loan faster by shortening.
Our Remortgage Services
Residential Remortgages
We create custom remortgage solutions for homeowners across all property types—from flats and terraced houses to detached homes and listed buildings. Whether you’re a first-time remortgager unfamiliar with remortgaging work or an experienced property owner seeking a better deal, our whole-of-market access ensures we find appropriate options.
Our specialist advice covers unique circumstances including self-employed income, complex employment structures, and properties with non-standard construction. We work with clients who may have been declined elsewhere, using our knowledge of lender criteria to identify suitable mortgage options.
Buy-to-Let Remortgages
Professional remortgage advice for landlords and property investors forms a core part of our service. Among limited company landlords, nearly half plan to remortgage or complete a product transfer within the next 12 months, with 64% intending to do so within a limited company structure.
We provide portfolio remortgaging for multiple property owners, helping you maximise rental yields through strategic remortgaging decisions. Buy-to-let remortgages involve different criteria—lenders typically assess rental yield against mortgage interest and landlord costs—and we guide you through these requirements.
Our Top 10 Remortgage Deal Types
2-Year Fixed Rate Remortgages
Short-term rate security with flexibility to reassess when the deal ends
5-Year Fixed Rate Remortgages
Long-term payment stability and budgeting confidence, protecting against rate fluctuations
Tracker Rate Remortgages
Rates that follow Bank of England base rate movements—beneficial when rates fall, though payments increase if rates rise
Offset Remortgages
Link savings to reduce mortgage interest payments, ideal for those with substantial cash reserves
Cashback Remortgages
Receive a lump sum on completion for immediate expenses or to offset remortgage costs
Lender Fee-Free Remortgages
Some lender deals have no lender arrangement fee. Our mortgage advice fees are separate; see the fee information in the website footer.
High LTV Remortgages
Options for borrowers with limited equity, though rates are typically higher
Interest Only Mortgages
Lower monthly payments with flexible repayment strategies, requiring a clear plan for capital repayment
Self-Employed Remortgages
Specialist deals for contractors and business owners with irregular income documentation
Bad Credit Remortgages
Solutions for borrowers with credit history challenges, working with specialist lenders
Our Comprehensive Remortgage Process
Initial Consultation and Fact Find
Our detailed initial consultation establishes your complete financial situation and goals. We review your current mortgage deal, including existing rates and early repayment charges, which typically range from 2% to 5% of the outstanding balance if you leave before your deal officially ends. We assess your affordability using lender criteria and establish realistic remortgage objectives based on your income, outgoings, and future plans.
Whole-of-Market Research and Recommendations
Access to the whole mortgage market to identify the most suitable remortgage deals for your circumstances. Our recommendations include clear comparisons of remortgage rates, terms, and total costs. When comparing mortgage deals, consider both the interest rate and any associated fees, as a low rate may come with high fees that negate savings. We explain all costs including arrangement fees (typically £0 to over £2,000), legal fees (£300-£1,000 for straightforward cases), valuation charges, and exit fees from your current lender.
Application Submission and Management
We handle the complete mortgage application process including document preparation. Lenders require documentation such as identity proof, address proof, and income proof during the remortgaging application process. Throughout the remortgage application, we liaise directly with lenders, provide regular progress updates, coordinate property valuations, and resolve any queries that arise. The entire remortgaging journey typically takes 4 to 8 weeks.
Completion Support and Aftercare
We work with solicitors to ensure the legal side completes smoothly. When remortgaging, you can either switch to a new mortgage with your current lender or move to a different lender, which involves paying off your old mortgage with the new loan. Our support continues through to your new mortgage start date and beyond, with future review services ensuring your deal remains competitive.
Client Success Stories
"Switching our variable rate to a 5-year fixed deal through their team saved us exactly £342 a month. The process was entirely seamless."
Robert and Clara M.
Remortgage Clients, Hampshire
"As a self-employed business owner, remortgaging is usually a nightmare. They targeted the right lenders immediately and secured our approval."
Simon D.
Contractor, London
"Superb whole-of-market options. They managed our buy-to-let limited company portfolio restructure cleanly with clear upfront pricing."
Melissa G.
Landlord Investor, Surrey
Frequently Asked Questions
Start Your Remortgage Journey Today
Stop paying more money than necessary on your existing mortgage. Using a mortgage broker may help in navigating the remortgaging process and finding competitive deals, especially in volatile market conditions. Our whole-of-market access, transparent £199 fee structure, and personalised mortgage advice ensure you receive recommendations genuinely suited to your circumstances.
If your property’s value has increased, remortgaging can allow you to benefit from a lower loan-to-value ratio, which may qualify you for better interest rates. Whether you’re looking to reduce monthly repayments, release equity for home improvements, or simply secure a better rate before your current deal ends, we’re here to help.
The risk of repossession exists during remortgaging if the borrower fails to keep up with new repayments—we ensure you only borrow what you can afford.
As an experienced broker, we adhere to strict professional standards.