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What is Remortgaging?

Remortgaging is when you change the mortgage you currently have on your property, by switching it to a new lender, or by moving to a different deal with your current lender. It can be an awesome way to get lower interest rates and better mortgage terms.

You don’t have to go it alone. Let our mortgage advisers figure out if you should stick or twist on your current deal.

  • Get quotes from 120 lenders.
  • Reduce your interest rate.
  • Unbiased financial advice.

When should I Remortgage my property?

The best time to Remortgage your property is at the end of your current deal. However you should start looking at your options 6 months before your deal ends – this will give you plenty of time to get the new deal sorted and ensure you never go onto the lenders standard variable rate (‘SVR’). The SVR is usually much higher than the rates available – which means that you may be overpaying.

Other reasons you might Remortgage are:

  • If you’re on a variable rate mortgage & your interest rate increases too much.
  • If your property has increased significantly in value
  • If you need to borrow additional funds

Should I do a product transfer with my current lender?

It depends. when you’re coming to the end of your current mortgage deal most lenders will write to you offering to switch or transfer you onto one of their new deals. Some lenders offer fantastic deals, some don’t. We can compare these deals with other lenders offers to make sure you get the deal that’s right for you!

I own my house outright, can I Remortgage?

You sure can! When you no longer owe any money on your home you’re an ideal candidate for a mortgage lender, because you have a huge asset to cover against any mortgage.

You’ll often get good interest rates and high ceilings when it comes to how much you could borrow. It can be a great way to free up some cash, without selling your home.

What is Remortgage & equity release?

Equity describes the amount of your home you own outright. Releasing equity means taking money from the part of your home that you own and putting it back into your bank. Most people then use the money released to renovate or repair their home.

What do we do?

We’re a fully independent mortgage broker. Our expert advisers have bags of experience when it comes to scouting out mortgage deals. We search high and low comparing quotes & we’re not biased toward any one lender. Our focus is on finding you the best deal going.

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