Reviewing your mortgage, on your terms
Consider your options when your current deal comes to an end, with guidance to help you plan your next steps with confidence.
What is a remortgage?
A remortgage is the process of moving from your existing mortgage product to a different one. Lenders offer a wide range of remortgage products, each with its own criteria and features. Depending on your situation, you may find options that suit your current needs, although the availability of any product will vary between lenders and is not guaranteed.
My role is to set out the key information so you can see how each option works. This supports you in making a decision that reflects your circumstances and future plans.
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Frequently asked questions
Most people look to remortgage when their current deal is ending, or when they want to reduce monthly payments or raise funds.
Yes, but there may be early‑repayment charges. I’ll check your current terms to see if it’s worthwhile.
Most lenders will carry out a property valuation during the remortgage process to confirm your home’s current value.
In some cases, yes — but it’s not right for everyone. I’ll help you weigh the pros and cons based on your situation.
Most remortgages complete within 4–8 weeks, depending on lender processing times.