Review the current mortgage
Understand your remaining balance, deal end date, early repayment charges and current lender options.
Remortgage guidance
A better-informed
next decision.
If your current deal is ending or your circumstances have changed, we help you review the costs, timing and practical options before you decide.
Clear guidanceReview before you renew.
Personal support from first conversation to completion.
What we help with
Support shaped around
your circumstances.
We explain the choices, likely costs and next steps in plain English, then help keep everything moving.
Consider the full cost
Compare interest, product fees, valuation or legal costs and any charges for leaving your existing deal.
Manage the switch
Get support with the application, valuation, legal work and timing of the new mortgage.
The journey
What happens
next.
Start early
A review several months before your deal ends can give you more time to understand the options.
Assess needs and costs
We discuss your plans, property value, balance, income and the true cost of switching.
Choose the route
This might involve a new deal with your current lender or an application elsewhere, subject to advice.
Complete the change
We help monitor the application and work towards a suitable completion date.
Be prepared
Documents you may
be asked for.
The exact requirements vary by lender and circumstances. We will tell you what is needed and when.
- ✓Current mortgage statement
- ✓Recent evidence of income
- ✓Recent bank statements
- ✓Estimated property value
- ✓Identification and proof of address
Questions answered
Helpful answers,
without the jargon.
These answers are general. A conversation lets us explain what may apply to your specific circumstances.
01When should I start reviewing my mortgage?+
Many people begin several months before the current deal ends. Starting early can provide time to review without automatically moving onto a lender's reversion rate.
02Is the lowest rate always the cheapest option?+
No. Product fees, early repayment charges, incentives, loan size and the period you expect to keep the mortgage can all affect the overall cost.
03Can I borrow more when remortgaging?+
Potentially, depending on the purpose, affordability, equity, lender criteria and property. Additional borrowing increases the amount secured on your home.
04What is a product transfer?+
It is a switch to another mortgage deal with your existing lender. It may be simpler in some cases, but it is still worth considering the costs and whether other suitable routes exist.
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