Remortgaging is where you swap your mortgage from one lender to another. Most people remortgage 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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You can start the remortgage process up to 6 months before your current deal expires and we recommend you get the ball rolling early to ensure your mortgage payments do not lapse onto your lender’s standard variable rate.
Apply NowWhy should I 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 remortgage?
Ideally, you want to be looking to remortgage around 3 to 6 months before your current mortgage is due to end. This will give enough time to research 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 remortgage and look for a better rate so that you can save money each month to put towards paying off your debt. Always speak to a mortgage advisor 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.
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 remortgage several times in their lifetime and there is no restriction on the number of times you can do this. However, if you are looking to remortgage 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.
We're flexible around your work and family, we'll be there when you need us.
No upfront fees payable, we are paid on results only.
You'll always know who you are dealing with.
No vested interests, do you want your builder or estate agent knowing your maximum lending when you're trying to negotiate your price, you'll receive a mortgage tailored to your needs.
Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.
We shop around for the cheapest deal for you, saving you time and money.
There isn't a situation we haven't come across before, we fully understand your needs.
We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.
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Helen was very helpful and arranged us an appointment the same day with the mortgage advisor.
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This company has been amazing in sorting our mortgage. Got the job done quickly and efficiently.
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UK Moneyman has been a fantastic mortgage broker from the start to the finish of the process. They found us an excellent mortgage offer swiftly and efficiently- even going the extra mile by working with us between Christmas and New Year. As first...
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Very honest and helpful
Mizna Coates has done a fantastic and more importantly, unbiased and diligent job in advising us on a number of Insurance products ranging from life and critical illness to house insurance. Mizna is engaging, open and honest in her approach and the...
Dale was lovely and put me at ease for my initial call Thank you Dale
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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.
