Switch your mortgage with us, we have the remortgage solutions.
How can we help?
Your circumstances may change over time, limited time deals come to an end, you may be paying the standard rate of your provider or simply your provider no longer suits you.
You should regularly review your mortgage and check whether it is the right mortgage for you. You don’t have to stay with the same product or provider for the entirety of your mortgage so if you feel yours isn’t right for you so contact us for remortgaging advice.
By speaking to one of our advisors before remortgaging your home, you can choose from a wide selection of products with as little effort as possible. We will guide you through the whole process and help you select the right deal for your circumstances.
What is remortgaging?
Many terms are thrown around when talking about moving from one mortgage deal to another. The term lenders use to describe this change is remortgaging, which could mean either staying with your existing lender, or moving to a different one.
Remortgaging is often confused with borrowing more money from their current lender but it is not.
Better mortgage deals are only available for a limited period, but when that period comes to an end, you will move to your lender’s standard rate that can be increased at any time. This can lead to you paying higher than the rate you were before, and your repayments will increase.
With consideration about how this will affect your monthly repayments, remortgaging your home may even help you raise money for home improvements or special purchases
The steps to remortgage solutions
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Consider all the costs involved.
Check if your existing or new lender has any application fees, valuation fees, solicitor fees, exit fee or early repayment fee.
Arrange credit checks and valuations.
The lender will carry out a credit check and the property will be valued before contacting a solicitor to handle the transfer of the mortgage, unless the lender offers this as a free service.
Find out if a new lender is willing to lend you the desired amount.
Complete an Agreement in Principle application (AiP), you will need to provide details about your current mortgage and about your personal and financial circumstances.