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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured to it.

Regularly reviewing your mortgage and the mortgage market makes good financial sense.

Residential remortgaging is the process of replacing your current mortgage product with a new product, usually either to switch to a better rate or release capital. The process is usually quick and easy, the legal aspect is simple, and doing so can ultimately put you in a much better position.

You should be considering a residential remortgage if any of the following apply:

  • You are coming to the end of your initial rate (for example, the end of your 2-year fixed period) and your payments are about to go increase.
  • You are on your lender’s SVR (standard variable rate).
  • It’s expensive to move – you would like to do work to your property to improve its value and give more living space,
  • Raise capital for school fess or a car purchase
  • Your circumstances have changed and you wish to increase / decrease your monthly payment or the term you mortgage is being repaid over.
  • You would like to release equity for investment purposes (a buy to let, or other)
  • To clear debts (this may well be much cheaper in the short term but more expensive in the long term so thorough consideration is strongly recommended).
  • You would like to reduce your mortgage loan and secure new terms.
  • You are planning to move house but would like to keep and let your current property.

It is always worth talking to your existing lender to see what they will offer.

Contact us today to discuss remortgaging