Secure the Best Residential Remortgage Rates | Expert Brokers on Your Side

Experience seamless remortgaging with our expert guidance. We’ll evaluate your LTV, valuation, and credit score to secure tailored remortgage deals from top lenders. Unlock your property’s potential, reduce monthly costs, or access funds – our brokers negotiate competitive rates and terms. Regulated by the Financial Conduct Authority, we ensure a smooth transition to your new mortgage, making remortgaging stress-free.

Call and Find a Remortgage Deal
or Fill Out The Form
Mortgage Lead Form for Blogs
Seeking top-notch mortgage advice? Complete the form to book a free 30-minute consultation. We'll reach out to you soon!

Access Unbeatable Remortgage Rates from Over 90 Leading Lenders

Our expert team will help you compare remortgage options across the whole market. With over 90 leading lenders in our network, we’ll find the best rates and terms for your needs.

List of leading remortgage lenders

What Is Residential Re-Mortgage?

Residential remortgage is the process of transferring your “mortgage” from one lender to another or negotiating a new mortgage agreement with your present lender. This may enable you to obtain a lower interest rate and lower your monthly mortgage payments, raise more funds for home renovations or retirement, consolidate debts, or rent out your last house when you relocate. It does not usually entail moving or taking up a second mortgage on the home.

Remortgaging Fees to Consider

Switching from your current lender to a new one involves some costs. Key fees include:

01

Early repayment charges from your existing lender if you leave before the mortgage term ends.


02

Exit fee to release your property deeds, often around $300.


03

Arrangement fee from the new lender to set up your fixed rate mortgage, sometimes a percentage of the borrowing amount.


04

Booking fee, usually $100-$2000, to secure a remortgage deal rate.


05

Conveyancing fees for the legal transfer, around $300.


06

Valuation fee for the new lender to assess your property, $200-$1000 typically.


07

Broker fees if using one, either a fixed cost or percentage of the mortgage.


Weigh these against potential savings to see if remortgaging makes financial sense for your situation.

Get Expert Guidance on Remortgaging Fees

Unsure about the costs involved? Our mortgage advisers provide transparent fee estimates, ensuring you make an informed decision. Discuss your remortgaging goals today.

Book A Free Consultation Today!

Call and Find a Remortgage Deal
or Fill Out The Form
Mortgage Lead Form for Blogs
Seeking top-notch mortgage advice? Complete the form to book a free 30-minute consultation. We'll reach out to you soon!

Our Seamless Remortgaging Process

start an application

Frequently Asked Questions

Remortgaging allows you to either borrow the remaining balance on your existing mortgage or potentially increase your borrowing. The amount you can borrow depends on factors like the equity in your home and your ability to afford the repayments. Having more equity built up can make it easier to borrow additional funds when remortgaging, but you’ll need to demonstrate you can comfortably repay the larger mortgage.

Lenders typically require documentation like:

  • Bank statements and pay slips from the past 3-6 months
  • 2-3 years of accounts/tax returns if self-employed
  • P60 from your employer showing income and tax paid
  • SA302 tax return if you have multiple income sources
  • Proof of identity (passport, driving licence)
  • Proof of address (utility bills, council tax statements)

Having these documents ready will help the remortgaging process go smoothly.

Age limits can vary between mortgage providers. Some lenders have a maximum age for starting a new mortgage, while others focus on the age at which the mortgage term must end. It’s important to check the specific policies of any lender you’re considering for your remortgage.

If you’re remortgaging with your current lender and simply moving to a new mortgage product, you likely won’t need a solicitor as this is considered a “product transfer.” However, if you’re remortgaging to a new lender, you’ll typically need to engage a solicitor to handle the legal requirements of transferring your mortgage.

Unlock Your Home’s Potential – Remortgage with Confidence

Experience a seamless remortgaging journey with our expert guidance. Our dedicated team of brokers will navigate the process, securing competitive rates tailored to your needs. Maximise your home’s equity, access funds for renovations, or reduce your monthly payments – the possibilities are endless. Trust us to deliver personalised remortgage solutions that empower your financial future.

Book A Free Consultation Today!

Call and Find a Remortgage Deal
or Fill Out The Form
Mortgage Lead Form for Blogs
Seeking top-notch mortgage advice? Complete the form to book a free 30-minute consultation. We'll reach out to you soon!