REMORTGAGES
Remortgage advice that works for you
Whether your deal is ending, you want to raise money or you need to change who’s on the mortgage, we compare your current lender’s offer with the whole market and make sure your next remortgage is the right one, not just the easiest one.
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Why people remortgage
Get a better deal
Your fixed rate is ending, or you're paying more than you need to. We find a better rate before you drift onto your lender's standard variable rate.
Raise money
Release equity for home improvements, an investment or another personal goal, as long as the new borrowing is affordable.
Change who's on the deeds
Add a new partner or spouse, or remove someone after a divorce or separation, with a remortgage that fits the new situation.
When should you start your remortgage?
Earlier than most people think. With a new lender, you can often lock in a rate up to six months before your current deal ends. With your existing lender (a product transfer), it's usually around three to four months, depending on the lender.
If your deal ends with nothing in place, you'll usually move onto your lender's standard variable rate, which is often much higher. Leave too early, though, and you could pay an early repayment charge. We time your remortgage so the new deal starts the day after your current one ends.
Remortgage or product transfer?
A product transfer means staying with your current lender on a new deal. It can be the right choice when your circumstances have changed and moving lender would be harder, when your lender genuinely has the best rate, or when the difference is small and you'd rather avoid the legal work of a full remortgage.
We compare your lender's offer with remortgage deals from across the market and recommend whichever genuinely works best for you, even if that means staying put.
Why use us for a product transfer?
Many people think they can just click "switch" themselves, and you can. But here's what we do that often saves you money and a lot of time:
✓ Challenge the valuation: with some lenders we can request an updated valuation, sometimes free of charge. If your home is worth more, your loan to value drops and a better rate can open up
✓ Lock in early: we secure your new rate months before your deal ends
✓ Keep watching rates: if rates fall before your new deal starts, many lenders let us switch you to the lower rate
✓ Save your time: no chasing, no paperwork, no guesswork
Real remortgage results
PRODUCT TRANSFER
From 92% to 80% loan to value, without moving lender
Her deal was ending just as rates had risen, and a change in circumstances meant moving lender wasn't an option. She'd invested a lot in home improvements, but her lender's valuation had barely moved, and she thought there was nothing she could do.
We submitted a valuation appeal with details of the work done. Her loan to value dropped from 92% to 80%, unlocking a much better rate on her product transfer.
REMORTGAGE TO INVEST
From one home to a growing property portfolio
Our clients had always wanted to build a portfolio. They had plenty of equity in a home bought years ago and the building skills to add value, but didn't know where to start.
We remortgaged their home to release equity, they bought and renovated a property, then we remortgaged again on its higher value. Four years on, they own their home plus three buy to lets, with a fourth project already in the pipeline.
Every case is different. All mortgages are subject to lender criteria, affordability and valuation.
Remortgaging to change who owns the home
Adding or removing someone is called a transfer of equity. If someone takes on a share of the mortgage, that can count as payment for stamp duty purposes, so tax may be due. Transfers made under a divorce or separation agreement or court order are exempt. We'll work alongside your solicitor so the mortgage and the legal side move together.
What you'll need for your remortgage
✓ Фотокадры с удостоверениями личности и подтверждением места жительства
✓ Your latest mortgage statement
✓ Last 3 months' payslips and bank statements
✓ Если вы являетесь самозанятым работником: расчеты налогов и обзор налогового года
✓ If raising money: what it's for, such as builder's quotes
How we help with your remortgage
We check when your deal ends, what you'd pay to leave, and what your current lender is offering. Then we search the whole market, handle the application and keep you updated until the new deal is in place. Prefer to talk in Lithuanian or Russian? Just ask.
Remortgage FAQs
When should I start looking for a remortgage?
Around six months before your current deal ends. That gives time to compare, lock in a rate and complete before you move onto your lender's standard variable rate.
Can't I just do a product transfer myself?
You can, but you may miss out. We compare your lender's offer with the whole market, can ask some lenders for an updated valuation to lower your loan to value, and keep watching rates so we can switch you if they drop before your new deal starts.
Can I remortgage to raise money for a buy to let?
Yes, many people release equity from their home to fund a deposit on an investment property, as long as the higher mortgage is affordable. We'll look at your home mortgage and the buy to let together so the whole plan works.
Can I remortgage to remove my ex-partner?
Yes. The lender will need to see that you can afford the mortgage on your own. A transfer made under a divorce or separation agreement or court order is exempt from stamp duty.
Will I have to pay to leave my current deal?
Only if you leave before your deal ends, when an early repayment charge may apply. We check this first and time your remortgage to avoid it where possible.
Can I remortgage with bad credit or if I'm self-employed?
Often, yes. See our pages on плохая кредитная история ипотечные кредиты and ипотеки для самозанятых.
Changing ownership? Read the GOV.UK guide to stamp duty on transfers. Buying to rent out? See our buy to let mortgages and bridging finance pages.
Ваш дом может быть конфискован, если вы не будете своевременно выплачивать ипотечный кредит.
ЗАКАЖТЕ БЕСПЛАТНАЯ КОНСУЛЬТАЦИЯ
Is your deal ending soon?
Tell us when your current deal ends and what you'd like to achieve. We'll compare your lender's offer with the whole market and show you the difference.
Бесплатная 30-минутная консультация
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✓ Kalbame на литовском · Говорим по-русски