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What Is It?

Switching to a Better Deal

Remortgaging is simply switching your existing mortgage to a new deal, using the same property as security. It can be with your current lender or a new one, whichever suits your circumstances best.

When you contact us, you'll be put straight through to a dedicated remortgage adviser who will guide you through the full process, whatever your reason for switching.

Loan to Value Calculator

Find out your LTV ratio and see which mortgage deals you may be eligible for.

Your Details

Purchase Price
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Deposit Amount
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Loan Amount
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Your LTV Breakdown

Loan to Value 90%
0% 60% 75% 85% 95%
Purchase Price £250,000
Deposit £25,000
Loan Amount £225,000
Deposit as % of price 10%
What this means

These figures are for illustrative purposes only. LTV thresholds vary between lenders and products. Your eligibility will depend on your credit history, income, and other factors. Speak to one of our advisers for a personalised recommendation.

"We will never charge you a penny for our service — we're 100% Fee-Free Mortgage Brokers."

Six Reasons People Remortgage

Why People Switch

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Better Rate

Deal ending? Avoid falling onto a higher SVR. Even a small rate reduction saves thousands over the term.

🛠

Home Improvements

Raise funds to improve your property — likely to increase its value and return your investment.

💳

Debt Consolidation

Use your home's equity to consolidate multiple debts into one manageable payment.

Change in Circumstances

Job change, illness, or life event making repayments difficult? Remortgaging may help.

Release Equity

Built up value in your home? Unlock it — though this increases your loan and monthly payments.

🏢

Buy to Let

Keep your investment property on the most competitive rate. Our BTL advice is also fee free.

About Us

When Should You Start?

The ideal time to begin is 3–6 months before your current fixed or tracker deal expires — before you fall onto your lender's Standard Variable Rate (SVR). A typical application takes 4–6 weeks to complete.

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In-Depth Guides

Everything You Need to Know

Explore each topic in detail — from choosing your mortgage type to understanding costs and government schemes.

FAQ

Remortgage FAQs

Insurance Agentpattern
How does remortgaging work?
When is the best time to start the remortgage process?
How much does it cost to remortgage?
Can I remortgage with bad credit?