Remortgage 


So your initial mortgage deal is coming to an end, what do you do now?

As one of the largest financial commitments that you’ll ever make, a mortgage is an extremely important life decision. 

Our team are here to give mortgage advice as we help you navigate the wide range of remortgage products on the marketplace. 

Our team of Mortgage Advisors across the North will personalise our services to your needs.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

What Is Remortgaging?


Remortgaging means switching your mortgage to another deal with another lender, without moving home. When the initial interest rate comes to an end, it is likely that you have reverted to the lenders standard variable rate or SVR.

What is a Standard Variable Rate?

Generally, the SVR isn’t the cheapest option and can be higher than alternatives either offered by your existing lender or a new one so switching mortgage deals can therefore often work out much cheaper and save you money either monthly, long term, or both.

Can Remortgaging Help Pay Off My Mortgage Early?

Remortgaging can also help pay off your mortgage early by replacing your current mortgage with better terms a lower interest rate and keeping your monthly payments the same, you will be able to reduce your mortgage term and get your mortgage repaid quicker.

Is Remortgaging Complicated?

Remortgaging isnt complicated, the process to switch your mortgage deal can be straight forward with lenders often offering great incentives to make the process much easier.

Do I Have To Change Lenders?

You may be able to find a new mortgage deal with your current lender and it may even work out cheaper to do so. Always check it against the rest of the market place though, just to make sure you are getting the best deal right for you.

What Is An ERC?

Most mortgages have an early repayment charge (ERC) during the initial deal period, so you cant remortgage during that time without paying a penalty charge. However, once your deal is up, you are free to move your mortgage without paying these fees.

Contact our team so we can help you.

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