Remortgaging, made simple.
Remortgaging means switching your mortgage to a new deal on the home you already own. You can stay with your current lender on a new rate, or move to a different lender altogether. Either way, you keep your home and change the mortgage that sits behind it.
- Pay less each month. Moving off an expiring deal, or onto a lower rate, can cut your monthly payments.
- Raise money for home improvements. Borrow a little more to fund an extension, a new kitchen or a loft conversion.
- Pull your borrowing together. Some people roll other debts into their mortgage to simplify their finances. This isn’t right for everyone, because you may pay more interest overall and the debt becomes secured on your home, so we’ll talk it through carefully.
- Be mortgage-free sooner. A shorter term means higher monthly payments, but you clear the debt earlier and pay less interest.
- Reduce what you owe. If you’ve paid down your balance or your home has gained value, you may qualify for better rates.
- Change who is on the mortgage. After a separation you may need to take one person off the mortgage and release or transfer their share of the equity.
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Explore remortgage options
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Sound familiar?
There are no silly questions when it comes to remortgaging.
When should I start looking at remortgage deals?
Around six months before your current deal ends, as most lenders let you lock in a new rate that far ahead. We’ll tell you when your window opens.
What happens if I do nothing when my deal ends?
You’ll usually move onto your lender’s standard variable rate, which is often higher, so your payments could go up.
Will I have to pay an early repayment charge?
Possibly, if you leave a deal before it ends. We check this first, so you know the cost before you decide.
What does it cost to remortgage?
Costs can include lender, valuation, legal and broker fees, though many deals cover the valuation and legal work. We’ll confirm every cost in writing before you commit.
Your journey
From first chat to front door.
1
Free first call
We get to know you, your plans and your budget. No credit check.
2
Agreement in Principle
So estate agents know you’re serious when you find the one.
3
Offer accepted, we apply
We recommend the right deal and handle the full application with the lender.
4
Keys in hand
We chase lenders, solicitors and agents and keep you updated until completion.
Takes 2 minutes · No obligation
Testimonials
what our clients say.
★★★★★
Absolutely brilliant service! Dan went above and beyond to ensure I secured the best possible mortgage for my situation. He dealt with problems in the process that weren’t even his responsibility, just to make sure everything stayed on track and completed faster. His support, expertise, and responsiveness made the whole experience far less stressful. Highly recommend!
Emma Prudom
Residential Purchase
★★★★★
Daniel was very helpful and professional finding us a new mortgage deal. He always kept us updated on what was going on and the best deals. Very pleased with the service we received and Daniel sorted everything out for us and advised us on the best deal for us. Would highly recommend Your Door Mortgage Advice.
Tiffany McCourt
Residential Remortgage
★★★★★
Outstanding and well organised service from start to finish.
Andrew Needham
Buy-to-Let Remortgage
Working with lenders including:
Getting ready
You don’t need anything to get started.
For the first call, just bring your questions. When it’s time to apply, we’ll ask for:
- Photo ID
- Proof of address
- Recent payslips
- Bank statements
- Proof of your deposit
- Details of any credit
Liam Ryder
Financial Services Administrator
We love helping people make the most of their mortgage and find the right options for their changing circumstances. Whether you’re looking to secure a better rate, reduce your monthly payments, or release funds for home improvements or other plans, our aim is to make the remortgaging process as simple and stress-free as possible. We take the time to understand your needs and future goals, providing clear, personalised advice and support at every stage, so you can feel confident you’re making the right decision for you and your home.
Is remortgaging the same as switching to a new deal with my current lender?
Not quite. Switching with your current lender is often called a product transfer: you stay with them on a new rate, usually with less paperwork. A remortgage moves you to a different lender, which can open up more choice. We look at both, so you can see the options side by side.
How long does a remortgage take?
It commonly takes around four to eight weeks from application to completion, depending on the lender, the valuation and the legal work. Because it can take a while, it is worth starting before your current deal runs out.
Can I borrow more when I remortgage?
Often, yes. Some people borrow extra to fund home improvements or to pay off other debts. A lender will look at your income, your outgoings and how much your home is worth. Borrowing more increases what you owe and is secured on your home, so we will talk through whether it is right for you.
Can I remortgage if my circumstances have changed?
Often you can, but lenders will look at your current situation rather than when you took out the mortgage. If you are now self-employed, have changed jobs, have a new credit history or have separated from a partner, tell us. We know which lenders are more flexible, and can explain your options honestly.
Will remortgaging affect my credit score?
When you apply, the lender will carry out a credit check, which is recorded on your credit file. We will check your circumstances first and aim to apply only where your chance of acceptance is good, which helps avoid unnecessary applications.
Do I need to use a solicitor?
Yes, a solicitor or licensed conveyancer is normally involved to register the new mortgage. Many remortgage products include free legal work for a standard case. We will tell you whether yours does, and what to expect.
How do I know if remortgaging is right for me?
It depends on your current rate, how much you owe, any early repayment charges and what you want to achieve. We compare your existing deal with what the market can offer and give you a clear recommendation in plain figures. If staying where you are is better, we will say so.
Your new mortgage deal is closer than you think.
Get the ball rolling today. Contact our team for a free, friendly and no obligation conversation.