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Remortgage Advice

Looking into remortgage advice can help you find a better rate of interest, improve your home, raise capital or consolidate your debts into your mortgage. All this can be made possible through a remortgage.

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You may be able to remortgage for a better rate of interest, without even knowing!

Remortgaging is where you swap your mortgage from one lender to another. Most people look at this option every few years to ensure they are always on a good deal.

When people remortgage they often take the opportunity to raise capital at the same time, perhaps for home improvements or debt consolidation.

If you are a landlord, raising capital from remortgaging a buy to let can allow you to fund any home improvements as well as using equity to fund a deposit for any portfolio additions.

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Get your free remortgage review sooner rather than later.

You can start the process up to 6 months before your current deal expires.

We recommend seeking remortgage advice early to ensure your mortgage payments do not lapse onto your lender’s standard variable rate.

To speak to a trusted mortgage broker about your remortgage options, please book your free mortgage appointment and speak to a dedicated member of our mortgage advice team.

We aim to make sure that this time around is quicker and smoother than the first go around.

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Remortgage Advice FAQs

What are the benefits to remortgage?

There are multiple reasons people choose to remortgage, this could be releasing equity to pay for home improvements or consolidation of debts.

Alternatively, it could be simply to get a better rate and save money.

When should I look to remortgage?

Ideally, you want to be looking at around 3 to 6 months before your current mortgage is due to end.

This will give enough time for you to seek remortgage advice and get the new mortgage set up and ready to begin just as your last deal ends.

Can I remortgage to pay off debt?

Yes, you can remortgage to release equity in your home and then use the generated lump sum to pay off any unsecured debt.

If you do not have much equity within your home, you could still explore this option and look for a better rate so that you can save money each month to put towards paying off your debt.

Always get in touch for specialist remortgage advice before securing debts against your home as you are likely to end up paying back more interest in the long run, although your initial monthly payments can often be much lower.

You should think carefully before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.

Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.

Can I remortgage my buy to let?

Yes, it is possible for buy to let landlords to remortgage their property. This is something we encounter often and are able to assist you with.

To find out more and to see how we can help, head to our buy to let remortgage page.

How many times can I remortgage?

Most homeowners do this several times in their lifetime and there is no restriction on the number of times you can do this.

However, if you are looking at this option whilst you are still tied into a deal with your current lender then you would have to factor in paying an early repayment charge for settling early.

Why should I use a mortgage broker for remortgage advice?

A mortgage broker will be able to help you compare deals, looking at whether or not you would be better suited to stay on your lenders standard variable rate or switch onto a more favourable deal with a new lender.

We have been providing mortgage advice for over 20 years and during that time, we have helped 1000s of customers to remortgage their homes, more often than not with great success.