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Remortgage Advice

Whatever your reasons may be for remortgaging, our advisors will explore all of Your Mortgage Options to find and arrange the best deal for your circumstances.

If you’re thinking of remortgaging your property, getting advice from an expert broker at Your Mortgage Options could save you time, money and a great deal of stress. We’ll assess your current deal, draw upon our years of expertise and explore the whole of the market to recommend the best remortgage deal for your situation.

If you aren’t sure which lenders to approach about a remortgage deal, speak to one of our experts today. We are completely independent and offer unbiased advice, so you can rest assured that we’ll find you a deal that works for you.

As well as exploring all your remortgage options for you, we’ll guide you through the whole process from start to finish. Signing up to any remortgage deal is a huge decision and with our help, you can have confidence that you’ve made the right choice.

What is a Remortgage?

Remortgaging is when you move from one mortgage deal to another, whether this is with your current lender or a new one. There are a number of reasons why somebody might want to remortgage their property – usually because a better (cheaper) deal is available. Or, you might want to remortgage to raise capital to use for a variety of things, such as home improvements, paying off debts, or perhaps to put towards a business venture.

Whether you are trying to save money or release equity, speaking to an advisor about your remortgage options is the best way to find the right deal for your specific circumstances. We have years of experience helping people remortgage for a variety of different reasons, and have access to exclusive deals not available on the high street. It is our aim to offer you reliable, impartial advice and find you the best remortage deal.

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Benefits Of Speaking To A Remortgage Advisor

Whole of Market Access

With so many different remortgage deals available, only speaking to one lender means you’re unlikely to end up with the best option. Our remortgage advisors have access to the whole of the market, including products not available from high street lenders.

We Are On Your Side

We work for you not the lender and will act solely in your best interests. You can therefore be confident that the remortgage deal we recommend will be the best available product to suit your circumstances.

We Do The Hard Work For You

At Your Mortgage Options we leave no stone unturned in our whole of market research. We also handle the whole process end to end including all the paperwork, to ensure a smooth and hassle-free experience.

We Consider Your Circumstances

We take the time to understand your individual circumstances. This helps us to find the right remortgage deal that works for you. Whatever you’re trying to achieve by remortgaging, we can help you to reach that goal.

Remortgages FAQs

Whether or not you should remortgage always depends on your individual circumstances. There are many situations in which remortgaging could benefit you; for many people the main benefits will be to either save money by getting a lower rate or to release equity.

Speak to one our advisors about what you’re trying to achieve to see if you could benefit from remortgaging. You might be surprised to learn about the many new deals which you can access now, which were not previously available to you when you applied for your first mortgage.

While you can remortgage at any time, this doesn’t mean that it is always the right time. Again, this will depend on your specific circumstances and your current deal. It might be a good time to consider remortgaging if:

  • Your current fixed rate mortgage deal is coming to an end
  • You could save money by accessing a better deal, even factoring in the arrangement and exit fees
  • You own enough equity in your current property

Always speak to an independent advisor with expertise in remortgaging, to find out if it is the right decision for you.

No, the equity in your property acts as the deposit when you remortgage. If you wanted to lower the loan to value and access a better interest rate, you could choose to put money into the property. In some cases, this can be a better option than leaving your money in savings, especially while savings rates are so low. Speak to one of our remortgage advisors to learn which approach would be best for you.

Remortgaging with bad credit is possible, depending on the extent and details of your adverse credit. If your financial problems have started since you obtained your initial mortgage, your options may be more limited but there are still avenues to explore. You can learn more about bad credit mortgages and how they work here.

Applying for a remortgage with bad credit is not always straightforward so the best approach is to speak to an independent advisor who will be able to guide you through the process.

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