Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Specialist remortgage advice from brokers who start the conversation six months before your fixed rate ends. Switching lender or securing a product transfer at the right moment can save you thousands. Miss the timing and you slip onto SVR, where rates are typically two to three percent higher.
Your existing lender sends a retention offer. It looks convenient. It's usually not the best rate available.
Without a new deal in place, your rate reverts to Standard Variable, typically 2 to 3 percent above market.
Leaving the search too late means fewer options and less room to lock a rate ahead of your current deal ending.
Your lender's retention offer is benchmarked against every other lender, so you know the best option available to you.
Secure a rate six months ahead, with the option to switch down if the market drops before completion.
Your new deal starts the day the old one ends, so you never pay a penny of SVR.
Lender, rate, deal end date, outstanding balance and any early repayment charges still in force.
Current estimated value and outstanding balance, which together give us your loan-to-value.
Lower rate, capital release, term reduction or debt consolidation. We match the product to the goal.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Remortgage timing is everything. Our senior brokers track client deals months out, so nothing slips onto SVR by accident.
Six months before your deal ends is the sweet spot. You can lock a rate ahead and switch to something lower if the market drops before completion.
Sometimes, but rarely. Retention offers look convenient but usually aren't the best rate. We benchmark it against the whole market in one conversation.
Many remortgage deals include free conveyancing and a free valuation. Product fees range from zero to around £1,500 depending on the deal. We model fee vs rate tradeoffs both ways.
Yes if you're moving lender. No if you're doing a product transfer with your existing lender. The right choice depends on what the market offers versus the retention deal.
Yes, subject to affordability and LTV. Common reasons are home improvements, a buy-to-let deposit, or debt consolidation. We'll tell you honestly when it makes sense and when it doesn't.
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