Re-Mortgage

Switch, save, or release equity with confidence

Whether your fixed rate is ending or you’re looking to fund renovations, we compare deals across the market to fit your needs.

Why Remortgage?

Common reasons clients remortgage

Rate Ending

Avoid SVR shock by locking in a new deal before your fixed term ends.

Lower Payments

Switch to reduce monthly outgoings with a better rate.

Raise Capital

Release equity for home improvements, investments, or debt consolidation.

Change Term

Shorten term to pay off faster, or extend for flexibility.

Switch Type

Move from variable to fixed or vice versa depending on outlook.

Product Transfer

Simple switch with existing lender—often no legal/valuation fees.

Quick Check

See potential savings

—Current monthly
—New monthly
—Monthly saving
Process

How our remortgage service works

1) Review

Check current balance, rate, and goals.

2) Compare

Search whole-of-market including exclusives.

3) Recommendation

We outline best-fit options with savings analysis.

4) Application

Submit to lender, valuation arranged if needed.

5) Completion

New mortgage in place, old one redeemed.

Docs

Typical documents required

  • ✓
    Photo ID & proof of address
  • ✓
    Recent mortgage statement
  • ✓
    Proof of income (payslips / accounts / SA302s)
  • ✓
    Bank statements (last 3 months)
  • ✓
    Building insurance schedule
FAQs

Re-mortgage questions we’re asked

When should I start remortgage process?
Around 3–6 months before your current deal ends to secure new terms in time.
Do I need to use my current lender?
No, we compare across lenders. Sometimes a simple product transfer with existing lender works best.
Are there fees?
Possible arrangement, valuation, legal or broker fees. We disclose clearly before application.
Can I borrow more when remortgaging?
Yes, equity release for improvements, debt consolidation or purchases is common—subject to affordability.

Ready to switch and save?

Book your free remortgage review and compare the best deals before your rate ends.