Remortgaging Your Property

If your fixed rate mortgage term has less than three months to run, then now is the perfect time to find out your options.

Typically mortgage lenders will offer favourable interest rates for an initial term of between two and ten years to encourage you to purchase their mortgage product. After this period, you will usually find your mortgage reverting to the lender’s standard variable rate resulting in your monthly repayments rising. In the few months before your initial term is due to expire, we recommend investigating the market to see what other mortgage deals are around to help secure the best deals for you.

Remortgaging Your Property


Remortgaging your property doesn’t need to be a complex process. In fact, you may be able to secure another fixed rate to guarantee your mortgage payments either by transferring onto another mortgage offered by your current lender, or by moving to a different lender offering a better deal.

Raising capital

Remortgaging a property can raise capital to fund a buy-to-let property, clear off debts or even buy a new car. Releasing equity in your home can be a great way to fund home improvements that can make your house feel like you’ve moved into a brand new home!

Interest rates

Interest rates are at an historic low, so now could be a great time to remortgage and secure a long-term fixed rate mortgage at less than 3%. If you’re looking to secure a great rate, extend or reduce your mortgage amount speak with us today and we’ll arrange a consultation to discuss your options.

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Think carefully before securing other debts against your home. You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.