Remortgage

A remortgage involves moving your existing mortgage to a new deal, either with your current lender or a different provider. People choose to remortgage for various reasons, such as securing a new interest rate, changing the mortgage term, or releasing funds for purposes like home improvements or debt consolidation. It is important to consider both the potential benefits and the costs involved.

We provide clear, tailored advice based on your individual circumstances, taking into account your current mortgage, property value, income, and future plans. Any recommendation is subject to lender criteria, affordability assessments, and valuation. Remortgaging may involve early repayment charges, fees, and changes to your monthly payments, which will be fully explained before you proceed.

Your mortgage is secured against your home, and failure to keep up repayments could result in repossession. Where additional borrowing is involved, this will increase the amount you owe and may extend the term of your mortgage. We also discuss whether protection may be appropriate to help safeguard your home and income

• Review your existing mortgage
  We assess your current mortgage, interest rate, remaining term, and any early repayment charges to understand whether remortgaging may be appropriate.

• Explore suitable remortgage options
  We research available mortgage products and explain potential benefits, risks, fees, and changes to payments in clear, straightforward terms.

• Support with additional borrowing
  Where applicable, we advise on raising funds for purposes such as home improvements or other personal needs, subject to lender approval and affordability.

• Manage the remortgage process
  We support you from application through to completion, liaising with lenders and solicitors where required.

• Consider long-term affordability and protection
  We help you understand the long-term impact of any changes and discuss whether protection may be suitable to support your financial position.