Remortgage your home


This short video tells you what to expect when you call us for remortgaging advice. It’s a really simple, straightforward process and remember our expert advisers are available to help you 5 days a week.

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What is Remortgaging?

Remortgaging is when you move from your current lender to a new one. The finance that you have on the property gets taken over by the new lender. If you do not have finance on your property and it is unencumbered than you can also remortgage to borrow money against that property. Our step by step guide will explain the process:

1: Why do you want to remortgage?

There are many reasons to remortgage. You may be languishing on the lenders Standard Variable Rate (SVR) and by moving to another lender find you at a more competitive rate.

Applicants also tend to remortgage to borrow more money against their property for home improvements, to consolidate their debts or potentially purchase another property

cut the cost of monthly repayments, particularly when they come to the end of a short-term deal.

2: Speak to a Mortgage Advisor

A mortgage adviser will be able to work out whether remortgaging will save you money. An independent, whole of the market broker is not tied to a particular lender and will be able to compare a broad range of deals. At Expert Mortgage Brokers, we offer face to face appointments with our brokers as well as finding mortgage solutions for you both online and over the phone.

Taking advice when remortgaging makes sense, as an expert will help you find the best deals in the market and advise you on how much you stand to save.We ensure that all our clients get the right mortgage product that suits their individual needs. We are not a ‘one size fits all’ company. We provide personal mortgage advice.All our mortgage brokers work with a strict set of values which evolve around our policy of treating customers fairly.

3: Consider what is affordable.

When remortgaging consider what is affordable for your personal circumstances. The cheapest rate at the moment may not be the best rate for you. Bear in mind interest rate spiking and how best to repay your mortgage.

4: Speak to your Lender

Before changing your mortgage over to a new lender, it is advisable that you talk to your current lender, as doing so could save you thousands of pounds in legal fees and product fees. Your lender may also be able to match the rates that are available in the mortgage market. Expert Mortgage Brokers will let you know if your current bank is offering a better price even if it means you go directly to the lender.

5: Make an application

If you decided that you want a remortgage, then it is advisable to make an application with an independent broker. At Expert Mortgage Brokers our highly trained advisors will submit the form for you and guide you through the process from start to finish. They will ensure that the product that they have chosen best suits your needs and explain the whole application process to you.

However, if you do decide to do the application process yourself you should be aware of the following conditions:

The lender will do a credit check

They will likely also ask for proof of Income, address and corresponding bank statements

A survey will need to take place to establish the value of your property

If all conditions are met, then the lender will send you a formal offer with a Key Facts Illustration laying out all the terms and conditions of the offer.

6: Find a Legal Expert

Find solicitors who will be able to complete your mortgage as quickly as possible for you to either save money or capital raise. The attorneys will handle all paperwork and transfer funds once your re-mortgage process is complete. Some lenders will provide free legally.

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