What is it?

The process of moving your mortgage from your present lender to another lender.

When should I re-mortgage?

If you are paying your current lender’s standard variable rate or coming to the end of a mortgage deal, and about to move to your lender’s standard variable rate.

Why should I re-mortgage?

It depends on your individual circumstances, but in general people re-mortgage for one or more of the following reasons:

Get a more competitive mortgage rate and reduce your monthly mortgage payments
Change to fixed, discounted or tracker rate
Obtain a more flexible mortgage
Raise additional capital for home improvements, buy a new car, purchase a holiday home, pay off existing expensive short term loans, credit cards and store cards etc.

How much does it cost?

With such a competitive market place, more and more lenders are making the whole process increasingly cost effective.

For example with many competitive re-mortgages the new lender will cover the cost of the valuation fee, any legal work involved, and sometimes won’t even charge a lender’s arrangement or booking fee.

In this case the only cost to you may be your current lender’s mortgage exit fee for closing down the existing mortgage. 

So, what's the catch?

There isn’t one, except making sure you choose the right product for you. 

With so many different products available, doing this yourself would be extremely difficult.

Indeed many of the more competitive products may not be available from your local building society or bank, and you would therefore never find about about them.

That’s how we can help.

Our computer based mortgage sourcing system, updated regularly, enables us to advise you of the best re-mortgage product to suit your requirements.

What do I do next?

Get in touch with us and an experienced and fully qualified mortgage advisor will answer your questions, confirm how much you could borrow and the likely monthly mortgage repayments.

We shall search through our database of hundreds of mortgages and recommend the best one for your individual situation. We can help you to complete all the forms, and manage your application through to a successful conclusion.

Call Us Today

Call us on FREEPHONE 08000 196 194 for a free no-obligation chat, or complete the online enquiry form.

Enquiry Form

Don’t forget to look at our Extras page where you can

Get a copy of your credit report
Find a competitively priced solicitor
Confirm that the valuation of your property is realistic in today’s market place


Think carefully before securing other debts against your home.

Securing short term debts against your home or property could increase the term over which they are paid and therefore increase the overall amount payable.

You may have to pay an early repayment charge to your existing lender if you re-mortgage.

A mortgage is a loan secured against your home or property.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.


If you have an enquiry please get in touch with us.