Introduction
Remortgaging isn’t just for interest rate deals — it’s a chance to save, invest, or harmonise your finances. As your adviser, I’ll show you when it’s smart to remortgage, and guide you through each step.
Key Signs It’s Time to Remortgage
- Your fixed deal is ending
- You’re paying significantly above market rates
- Interest rates have dropped
- You’ve built up equity
- You need funds for renovation or investment
Breaking Down Remortgage Costs (fees, penalties)
Yes — remortgaging costs money: valuation fees, arrangement fees, legal costs, and early repayment charges. I’ll help you calculate whether savings outweigh the costs.
How Much You Could Save — Real Examples
In recent clients, remortgaging saved £150–£300/month — that’s thousands over 5 years. I’ll model savings for your specific mortgage so you know the benefit.
What Lenders Look For in Remortgage Applications
Your credit record, property value, income stability, amount of equity. For self-employed clients, updated accounts and evidence matter — and I help you prepare them.
Equity Release & Debt Consolidation Options
You may unlock equity for home improvements, investments or debt repayments. But it’s crucial to keep your mortgage sustainable — I evaluate each option carefully.
The Remortgage Process Step-by-Step
- Review your current deal
- Decide your target (lower rate, fix, flexibility)
- Get agreement in principle
- Valuation & survey
- Legal/conveyancing work
- Completion and switch
Timing Strategies — When to Switch Early
Sometimes it pays to switch with 3–6 months left before your deal ends. I maintain a “mortgage diary”: I’ll alert you early so you can switch before being stuck on a high rate.
How I Help You Get the Best Deal
I handle deal negotiation, paperwork, lender comparison, legal work, and monitor the switch — all so you can relax and focus on your life.
Conclusion & Call to Action
Think your current mortgage might be costing you unnecessarily? Let’s find out. Book your remortgage review — I’ll show you what you could save.