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remortgaging

What is a remortgage?

If you already have a mortgage and it’s nearing the end of its term or you would like to borrow more money to move to a larger property or improve your current home, then we can help you with a remortgage. Sometimes it’s more affordable to stay with your existing lender or we may find you a better deal elsewhere. If your home has increased in value, then you will own more of it and could be eligible for a lower, loan to value interest rate.

Our advisers have access to a wide range of lender mortgages which change daily, and we can even offer mortgages that are exclusive to us, so let us help you to find the best remortgage to suit your circumstances.

Frequently asked questions

  • When is the right time to remortgage?

    Once your current deal ends, your mortgage lender will automatically put you on their standard variable rate (SVR), this will often be a much higher rate than your old one. As a customer of The Mortgage Brain, we will automatically contact you five months before your existing mortgage deal ends. We will then source you an excellent range of mortgage options, helping you make an informed choice, in advance of the term ending, to suit your current circumstances.

  • Can I move my mortgage to a different lender?

    Yes. You can do this either before your term end where an early repayment charge maybe payable or at the end of the term of your current mortgage. Our advisers can review your circumstances and advise if it is worth remortgaging to a new lender or staying with your current one.

  • How quickly can I remortgage?

    That depends on whether you stay with an existing lender or move to a new one. Some lenders require an updated valuation for an existing mortgagor and if you are making a new application, various checks will need to be carried out including credit checks and employment references. We are highly experienced in progressing applications as quickly as possible.

Some current top remortgage deals

Here are some of today's best mortgage deals, based on a remortgage, borrowing £250,000 at an LTV of 75% over 25 years.
Lender logo
£1,365.36
Initial monthly payment
5 year Fixed
Initial rate
4.29%
Total fees
£1,095.00
Follow on rate
8.49%
APRC
6.8%
Initial period cost
£81,771.60

Standard variable rate 8.49% | Lender arrangement fee £995.00 | Total fees £1,095.00 | Early repayment charge applies until 5 years

Your rate of 4.29% will last for the first 60 months of your mortgage (the initial period). During that period you’ll be charged £1,365.36 a month. After that, you’ll switch to the Scottish BS’s standard variable rate (SVR) of 8.49%

Lender logo
£1,365.36
Initial monthly payment
5 year Fixed
Initial rate
4.29%
Total fees
£1,095.00
Follow on rate
8.49%
APRC
7%
Initial period cost
£81,771.60

Standard variable rate 8.49% | Lender arrangement fee £995.00 | Total fees £1,095.00 | Early repayment charge applies until 5 years

Your rate of 4.29% will last for the first 60 months of your mortgage (the initial period). During that period you’ll be charged £1,365.36 a month. After that, you’ll switch to the Scottish BS’s standard variable rate (SVR) of 8.49%

Lender logo
£1,386.39
Initial monthly payment
5 year Fixed
Initial rate
4.37%
Total fees
£3,070.00
Follow on rate
6.79%
APRC
6.2%
Initial period cost
£87,397.57

Standard variable rate 6.79% | Lender arrangement fee £2,995.00 | Total fees £3,070.00 | Early repayment charge applies until 31-May-2029

Your rate of 4.37% will last for the first 63 months of your mortgage (the initial period). During that period you’ll be charged £1,386.39 a month. After that, you’ll switch to the Skipton BS’s standard variable rate (SVR) of 6.79%

Why choose The Mortgage Brain?

We have access to over 12,000 mortgage deals with hundreds of lenders

All our advisers are CeMAP qualified to find the most suitable mortgage for you and your circumstances

You can follow your mortgage application every step of the way via our online customer portal

We have thousands of happy customers and have a 5 star rating on Trustpilot and 4.9/5 on Google reviews

Your dedicated adviser will be with you every step of the way, from the initial consultation to the completion of your mortgage

What our customers have to say...

How our expert mortgage advice service works

We’ve made it easy for you to get in touch to start talking about your mortgage.

We know it can be a stressful experience so our expert mortgage advisers are a friendly team and will help you to find the best mortgage deal to suit your own personal situation, whether it’s your first mortgage or you are further up the property ladder. Based on your income and deposit, or equity in your current property, we will show you a range of mortgage options. Once you have decided which one you prefer, we will progress your application with the lender until your mortgage is approved.

It’s a simple and stress-free way to find a mortgage!

How our expert mortgage advice service works

Are you ready to secure your remortgage deal?

Connect with one of our expert mortgage advisers to discuss the right remortgage for you.  Click below to book a 30 minute, no obligation, appointment.

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