Remortgages

People remortgage or refinance when their existing mortgage interest rate comes to an end, or if they need further borrowing for home improvements or to buy another property.

We’ll review what your current lender can offer, and compare it to other lenders, and will advise you if it’s worth staying put. In most cases, we can also make new arrangements with your current lender.

We’ll consider factors that you might not think about yourself – such as early repayment charges or the impact on your mortgage if you move before your term ends.

Sometimes the thought of lots of paperwork and emails and conversations puts people off from bothering to remortgage. But remortgaging with us is easy – our secure customer portal means all you need to do is upload photos of documents, and we’ll do the rest. Plus, it could mean you may be able to save hundreds or thousands of pounds a year.

We can help with any questions you may have, including ‘how long does it take to remortgage?’, ‘when can you remortgage?’ and ‘can you remortgage early?’. Click here for an explanation of our mortgage process.

We charge nothing to arrange a mortgage renewal with your existing lender (Product Transfer). This is the case for residential mortgages and buy-to-let mortgages.

For arranging a remortgage to a new lender, we only need to charge when the loan amount is less than £100,000. If the loan amount is between £60,001 and £100,000 our broker fee is £249, and if the loan is under £60,000 then the fee is £349.

We can offer you competitive quotes for buildings and contents insurance while we are securing your mortgage.

We can help you prepare and submit all the paperwork to make the process as easy and as hassle-free for you as possible. Our home insurance products have a 5-star Defaqto rating, proving that they are one of the highest quality offerings in the market.