A fresh look at your mortgage
Remortgaging
When a fixed or tracker deal comes to an end, many mortgages move onto the lender’s standard variable rate. A review a few months beforehand gives you time to compare your options, whether that means staying with your lender or moving to a new one.
How we can help
What we take care of
- Reviewing your current deal well before it expires
- Comparing a product transfer with your lender against a full remortgage
- Exploring raising funds for home improvements or other plans
- Considering whether to change your term or repayment method
Worth knowing
Things to consider
- i.
Many lenders let you secure a new rate several months in advance.
- ii.
Borrowing more over a longer term can increase the total you repay.
- iii.
Fees for valuation and legal work may apply when changing lender.
Common questions
Questions we often hear
When should I start looking at my remortgage?
Around six months before your current deal ends is a sensible time to start the conversation, as many lenders allow a new rate to be secured in advance.
Can I raise money for home improvements?
Often, yes, subject to affordability and the lender’s criteria. We will talk through the long-term cost of borrowing more against your home.
Let’s talk it through.
Every mortgage starts with a conversation. Tell Leon where you are and where you’d like to be, and we’ll take it from there, at your pace.