Remortgages
Your next mortgage deal
deserves a fresh look.
If your current deal is ending or your plans have changed, we help you understand your options and the costs of choosing a new mortgage.
Advice shaped around your circumstances
A considered next step for your home.
Your mortgage should reflect your circumstances today. We start by listening to what you want from your next deal and reviewing the information about your existing mortgage.
We explain our recommendation in plain English and help with the application where a new lender is suitable. Our advice is personal to your situation; a lower rate, a saving or an approval is never guaranteed.
How we can help
- Compare suitable new-lender mortgages with any relevant options from your current lender.
- Look at the total cost, including product fees and any early repayment charge.
- Consider the repayment term and features alongside your plans.
- Help prepare the documents and guide your application towards completion.
Prepare for the conversation
A useful place to start.
The exact requirements vary by lender and by your circumstances. You do not need to send sensitive documents through our enquiry form. We will explain an appropriate way to provide them when needed.
- Your existing mortgage. A recent statement, balance and product end date.
- Your property. Address and information about the home and its estimated value.
- Your finances. Income evidence, spending and other commitments.
- Your priorities. What you would like to achieve and any changes ahead.
Your questions
A little more clarity.
How is a remortgage different from a product transfer?
A remortgage replaces your mortgage with one from another lender. A product transfer is a new deal with your current lender. Availability and terms depend on the lender and your circumstances.
Can you guarantee a lower monthly payment?
No. The outcome depends on available products, eligibility, costs and the repayment structure. We explain suitable options and the reasons for our recommendation.
When should I speak to you?
It helps to have a conversation before your current deal ends. Bring the product end date and details of any charges so we can discuss the appropriate next steps.
Your next step starts with a conversation.
Tell us what you’re planning. We’ll help you understand the options and explain what comes next.