Time to get a better deal?
If your fixed rate is ending or if you're sitting on your lender's standard variable rate there's a good chance you're paying more than you need to. Debbie will find you better.
The right time to remortgage
Fix ending soon
Start looking 3 to 6 months before your deal ends. Rates can be locked in advance and you won't be rushed.
On SVR
Your lender's standard variable rate is almost always higher than available fixed deals. Switching could save hundreds a month.
Equity increased
If your property has gone up in value, you might qualify for a lower LTV band and a better rate.
Release equity
Remortgaging can release cash for home improvements, debt consolidation, or other major costs.
Documents for a remortgage
Remortgaging is generally simpler than a purchase. Here's what Debbie will ask for:
Remortgage FAQs
Can I remortgage before my fix ends?
Yes most lenders allow you to lock in a new rate up to 6 months before your current deal ends. You won't pay the new rate until your old one finishes.
Will I have to pay early repayment charges?
If you remortgage before your fixed period ends, your lender may charge an early repayment charge (ERC). Debbie will check this before recommending any action.
Do I need a solicitor to remortgage?
Sometimes. For a straight like-for-like remortgage (no change in borrowing), many lenders offer a free legal service. If you're borrowing more, you'll likely need a solicitor.
What if my circumstances have changed since my last mortgage?
It doesn't necessarily stop you remortgaging. Changes like going self-employed, reduced income, or credit issues can affect your options but there are usually still solutions available.
Can I borrow more when I remortgage?
Yes, subject to affordability and the lender's criteria. This is often called a capital raise and can be used for home improvements, debt consolidation, or other purposes.
How long does a remortgage take?
Usually 4 to 8 weeks from application to completion. Starting early means you're not rushed and can choose the best deal rather than just the fastest one.
What our clients say
Real, verified reviews from Google and Facebook, from people Debbie has helped across the UK.
Don't let your rate roll onto SVR
Debbie will check the whole market and tell you exactly what you could save. It costs nothing to find out.
Booked your call? Save time by registering on our secure client portal and completing the mini fact find first, so Debbie has your background before you speak.