Remortgaging Made Easy

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Remortgaging with us

When you already own your property, you most likely still have a mortgage. Most new mortgages are fixed for two to five years with a very attractive initial rate, which after the fixed period, would go up to a much higher standard variable rate (SVR). If your current deal is coming to an end, you might want to switch your mortgage to another product or different provider to minimise the interest and lower your monthly payments.

When you remortgage, you might also be able to raise extra capital. Below are our top reasons to remortgage a property.

Lower interest rate

Lenders offer new product deals all the time. If your current deal comes to an end, your mortgage interest will switch to the Standard Variable Rate and your monthly repayments will go up. At the end of your fixed term period, you might be eligible to switch your mortgage, lower your interest and monthly payments.

Consolidate debt

You can remortgage your property and raise additional capital to consolidate debts. The additional cash could pay off your existing loans and credit cards balance into a more manageable monthly payment. Your interest rate would be much lower than a loan or credit card but you will be paying off for a longer period and might pay more overall.

Deposit for mortgage
Mortgage advisor

Property Investment

If you have substantial equity in your property, you might be able to arrange to raise additional capital to buy a second home or an investment property. The second property purchase would incur the additional Stamp Duty Tax payments, so make sure your further advance would cover the additional costs.

Home Improvements

If you would like to redecorate your home or build an extension or a conservatory, you might be able to raise the capital needed by remortgaging your property. Permitted development rules mean you do not need planning permission to do a loft conversion or build a small extension or conservatory but check the rules with your local council before you undertake any work.


Check out Our Mortgage Calculators

Do you want to know how much your mortgage will cost? Check out our Mortgage Calculator to give you a guide to how much your monthly repayments would be. The exact amount may vary from this amount depending on your lender’s terms.

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Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.
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