If you’re thinking of remortgaging your existing property, we have a range of remortgage products that could be suitable for you.
If you have a Standard Variable Rate (SVR) mortgage, or a mortgage that is about to revert onto a SVR, you may be able to make savings by remortgaging with us. There are many benefits of moving your mortgage to us, including:
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Free standard valuation fee on properties up to £500k on selected products
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10% overpayments per year, along with an additional £499 monthly overpayment allowance on all products
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The option to borrow up to 95% of your home's value, including any additional borrowing you may take at the same time
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Free advice from our team of qualified mortgage advisers, with no expectation to proceed
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Subject to affordability checks and meeting our lending criteria
A personal service
Throughout your mortgage journey with us, from helping with affordability through to issuing the application, you have one dedicated point of contact. All of our team are friendly and personable and you will have direct access to them.
Flexibility and individuality
Your application isn’t reviewed by a computer. We have a team of underwriters who work closely with your mortgage adviser to review your personal situation. This allows us to be flexible and efficient when making a decision.
Getting started
A remortgage is the process of switching your existing mortgage on your home to a new lender. In simple terms, the new mortgage is used to pay off the existing mortgage, using the same property as security against the loan.
The need to remortgage most often occurs when you are coming to the end of your current mortgage deal and your rate is increasing. Or perhaps your deal has already expired and you have been moved on to a higher rate. Either way, a remortgage will help you change to a mortgage that is more suitable for your current situation. But, how do you know when it’s the right time to remortgage your home? Read our when to remortgage guide to find out more.
The process of a remortgage is fairly straightforward but there are several things to think about. You may want to weigh up the pros and cons of switching to a new deal with your existing lender vs. remortgaging. You can also find out how much you can borrow before continuing. It doesn't matter how far along you are in your remortgage journey, our guide to the remortgage process can help.
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YOUR MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Ready to talk to us?
Tell us about your mortgage needs and book a Decision in Principle appointment with one of our friendly mortgage team, who will review your affordability and start you on your home-buying journey.
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Let's talk
Speak to one of our friendly mortgage team about your options.
0345 601 0014*Our lines are open 8am - 6pm, Monday to Friday.