Are you coming to the end of your current fixed rate mortgage deal? Switching to a standard variable rate mortgage can often mean a higher interest rate – and sometimes higher monthly payments. Let us find you a rate that’s right – and maybe save you some money while we’re at it.

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Re-mortgaging is when you leave your current mortgage product and move to a new agreement, you can re-mortgage with the same lender or a new one. In short, re-mortgaging is the same as shopping around for a new phone contract.

The best time to re-mortgage is when your fixed term agreement is coming to an end. By waiting for the end of the product agreement, you’ll be able to move onto a new product without having to pay any early exit fees.

Yes, you can. We’ll take your individual circumstances into account when finding the right re-mortgage for you and we work with specialist lenders, who understand that people can sometimes run into problems. We have a wide range of bad credit mortgages available too. 

Yes, of course you can, as long as you have enough equity in your home and the total amount you want to borrow doesn’t exceed the lender’s criteria. Generally speaking, most lenders will let you borrow up to 90% of your property’s value.

The increase in mortgage interest rates are due to lenders responding to events in the wider economy, such as the rise in inflation and the rise in the Bank of England’s base rate. All lenders have increased their rates to some degree – it’s not a case of individual lenders trying to rip customers off.

It’s understandable to be worried about the cost of your mortgage, and none of us know for certain what will happen to rates in the future, but whether you should re-mortgage early will depend on your individual circumstances and if you have early repayment charges to pay. It’s best to speak to an adviser, so they can make a proper assessment and see if it’s worth doing now, or if you might be better off waiting.

Yes, you can, but the amount of debt you can pay off will depend on how much equity you have in your home. Debt consolidation – the process of paying off debt with a mortgage or secured loan – can offer many benefits, but also comes with some risk, so it’s important that you speak to an adviser to discuss your options and get the right advice.

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Representative example: A mortgage of £187,500 payable over 25 years, initially on a fixed rate of 1.64% for 2 years and then a standard variable rate, currently 3.59%, for the remaining 23 years. This would require 24 monthly payments of £762.36 and then 276 monthly payments of £933.31 (this includes a broker fee of £995 to be paid upon completion). The overall cost for comparison is 3.3% APRC.