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If you’re at the end of your current mortgage deal, then it might be time to swap to a better one with a remortgage.

Remortgaging is where you take out a new mortgage, with a new introductory rate. You can remortgage with the same lender, or a new lender altogether.

It’s a good idea to remortgage regularly, whenever you come to the end of your fixed rate or discounted deal, and before you move onto your lender’s standard variable rate – which can sometimes be more expensive than other available deals.

But that’s not the only reason to look at a remortgage – if your property has increased in value, a remortgage can get you onto a better rate, or you can use it to release some equity.

Remortgage FAQs

A remortgage is when you come to the end of a fixed product or you’re on a standard variable tariff and you agree a new lending agreement to move onto a new fixed term mortgage – this can be with a new or your current lender.

You should consider remortgaging if:

  • You’re on a standard variable tariff
  • Your current agreement is coming to an end
  • You want to release equity from your property
  • You’re on a high interest rate
  • You want to offset your savings
  • Your property value has increased
  • You want more flexible terms

Remortgaging at the wrong time, may come with an early repayment charge. However, sometimes the cost may be subsidised by the reduced costs of the remortgage.

We have qualified mortgage advisors available to help and guide you through your remortgage, and ensure you’re taking the best option for you and your situation.

The best time to start looking for a remortgage is between 3 – 4 months before the end of your current deal. This will give you enough time to find the right mortgage and get everything in place to coincide with the end of your current deal. It’s also important to time things right, so you don’t pay any early repayment charges. With our whole of market panel, our advisers will be able to compare the products and find you the best rates available – quickly and stress free.

Get matched now!

Yes, you can – although you might not get the cheapest deals, there are plenty of competitive and affordable products out there. Our advisers will look at your situation and find the right lender for you.

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Your mortgage is one of the biggest financial commitments you’ll ever have, we compare deals for you so you can be sure that we’ll find the perfect deal for you.