Remortgages

You already have a mortgage, which is great! If you’re thinking about remortgaging, whatever the reason, there’s quite a bit to consider. No matter what your goals are, we’ll identify the best remortgage deal from a diverse selection of lenders, always prioritising your needs. We’ll ensure you clearly understand the loan terms and that the monthly payments are within your budget.

Our commitment goes beyond just processing your remortgage—we’ll support you throughout the entire process to make sure everything goes smoothly

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What is the process of remortgaging?

 

First, we’ll take the time to get to know your unique situation, goals, and current mortgage. With that information, we’ll diligently search for the best mortgage deals that fit your needs. We’ll guide you through all your options, helping you understand the costs involved, such as valuation and legal fees, and what your new monthly payments will look like.

Since we’re not tied to any one lender, you can trust that our advice is unbiased, ensuring you get the best interest rate and deal. We compare thousands of mortgage products to find the perfect fit for you.

Once we’ve found the right deal, we’ll handle the mortgage application and make the switch for you, always being available to answer any questions you might have along the way.

Useful Information

Reasons to remortgage

Why would I consider remortgaging? There are several reasons! Often, it’s to secure a new interest rate when your current deal ends. You might also want to release equity for home improvements, a holiday, or to manage changes like a separation. Another common reason is to consolidate debts. Plus, if your credit score has improved, it might be beneficial to switch from your current deal early

When is it a good time to remortgage?

It all depends on why you’re thinking about remortgaging. If you’re looking for a new deal because your current one is ending soon, we can help you lock in a new rate up to 6 months before your current deal expires to avoid any early repayment charges. However, if your reason is different, we can assist you with a remortgage at any time!

What costs are involved with a remortgage?

When remortgaging to a new lender, solicitors will usually be involved. Most lenders offer free legal services, but sometimes it’s better to arrange your own. To help with these costs, some lenders even provide cashback. Many lenders have products with or without arrangement fees, and sometimes these fees can be added to your mortgage. You may also encounter a valuation fee, although most lenders offer free valuations.

Should I just stay with my current lender?

We can help you evaluate if your current lender is still the best fit for you. While they might be, there’s often a better deal out there. Our goal is to find the most favourable option for you and make sure you secure the best deal possible.

Making the mortgage journey simpler and more transparent

When you’re buying a property, you’ve got enough to think about without feeling pressured or uncertain. At The Mortgage Move, we’re here for more than just the paperwork. We’ll walk you through everything you need to know, and you can count on us to be available whenever you have questions. Let’s make your home-buying journey smooth and stress-free, together.

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Your home may be repossessed if you do not keep up repayments on your mortgage
You may have to pay an early repayment charge to your existing lender if you re-mortgage
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage