Re-mortgages

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When it comes to re-mortgaging there are so many mortgages to choose from which can lead to confusion. It is essential that you get the best available re-mortgage deal for your needs, circumstances and preferences. We are able to access the entire marketplace and compare the benefits of hundreds of different mortgage products from a vast range of lenders, we can tailor a re-mortgage deal that will specifically meet your needs and requirements. We are able to offer you high quality and whole of market re-mortgage advice, which enables you to choose the best option for your needs.

Why re-mortgage?

People re-mortgage for a number of reasons, but the most common reason is to save money. For example, approximately 6-8 weeks before your fixed rate mortgage comes to an end we advise you to start looking for a re-mortgage deal in order to avoid paying more on your mortgage. Another popular reason for re-mortgaging is in order to consolidate debts (please be aware that when consolidating debts the funds will be repaid over the term of the mortgage, therefore the overall cost of repaying the loan is likely to be higher as the term of the loan is longer), for example it may be possible to take out a mortgage for a larger amount than the current mortgage, therefore allowing you to clear existing debt.

If you're looking for a fixed rate mortgage for your residential property or perhaps discounted rate residential mortgages are more appropriate for you then we can make sure we find the perfect mortgage to suit your circumstances. It's also important to think of your mortgage protection cover. We also provide large loans or perhaps you are thinking of Let to Buy - we can help. Why not take a look at our Buy to Let mortgages page and see what else we can offer.

To discuss your requirements call us on 0800 3893796 or 01483 419288. Alternatively request a call from us by completing our contact form.


You may have to pay an early repayment charge to your existing lender if you remortgage.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST FORMS OF BUY-TO-LET MORTGAGE.

Do I have to pay any Fee's?


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The simple answer is no. There are re-mortgage options which come with no:-

● Application or Booking Fee.
● No House Valuation Fee.
Conveyancing charge for Transferring your Property.

It is always important that any Fee's that are charged by the Lender or Broker are included in the overall cost calculation before a decision is made on the best option for you.





This information does not contain all of the detail you would need to choose a mortgage. Make sure your read your individual Key Facts Illustration (KFI) plus or the new European Standardised Information Sheet (ESIS) before your make a decision. A KFI plus or ESIS gives you tailored information, based on a particular mortgage the level of lending you require, which is important to help you make your decision. This includes associated rates and fees, the overall cost of the mortgage and your monthly repayments.

Lenders

We offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgage, but not deals that you can only obtain by going direct to a lender. The Lenders detailed below represent a selection of the Lenders we have access to.

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Mortgage Calculator

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PLEASE NOTE THIS DOES NOT CONSTITUTE MORTGAGE ADVICE AND THE FIGURES SHOWN ARE PURELY A GUIDE. THE ACTUAL RATE AVAILABLE WILL DEPEND UPON YOUR CIRCUMSTANCES. PLEASE ASK FOR A KFI PLUS / ESIS.


The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

We do not charge Advice or Brokerage Fees.

 
 Your Choice Mortgage Services Ltd is an appointed representative of TenetLime Limited, which is authorised and regulated by the Financial Conduct Authority. TenetLime Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266.


Registered Office: The Old Barn, The Bridge, Lower Eashing, Godalming, Surrey GU7 2QF.
Your Choice Mortgage Services ltd. Registered in England and Wales under reference 4548433


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