REMORTGAGE YOUR HOUSE

Remortgage your house to free up capital to make those home improvements. You could also reduce your monthly payments through a lower rate and make significant savings - sometimes thousands each year.

At Mortgage Wise, we are dedicated to finding you the right remortgage - that saves you money while taking into account your financial situation - ensuring you don't pay more than you need to. Get a quote or request a callback by clicking on the below button.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Remortgaging your house - what you need to know:

A remortgage can save you a significant amount of money, and is usually for two main reasons, either because a current mortgage is coming to an end or even though the mortgage term is not over - there is scope for a better rate.

The current mortgage deal is about to end:

As the best mortgage rates are usually for a limited period of time - usually between two and five years - at the end of it, the mortgage tends to revert back to the standard variable rate. This can be much higher than the original deal and often necessitates a remortgage.

The current deal is not finished but you want a better rate:

The obvious thing to consider here are the early repayment charges as they can be a significant amount - often between 2 and 5% of the outstanding loan. Additionally, lenders may charge an exit fee to get out of the mortgage. Bearing this in mind, remortgaging mid-term involves taking into account savings from the new rate minus the various additional costs involved in exiting the mortgage mid-term.

Read our guides on remortgaging your home here.

Points to consider when remortgaging your home:

The main reason to remortgage is to ensure you are not paying more than you need to. Moving to a new lender with different interest rates could save you a lot of money in the long run so it is worth considering.

You could remortgage your monthly repayments for a longer period of time – this will ensure your monthly repayments will remain the same during this time.

Many people also remortgage to raise capital to pay for home improvements
or consolidate their unsecured debts.

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How does remortgaging work?

Remortgaging means changing your current mortgage deal whilst you remain in the same property.

Should I remortgage?

You can remortgage at any time but it is not worth doing just to switch lender.

What information do I need for my mortgage?

You can remortgage for a variety of reasons such as securing a lower interest rate, consolidating debt or raising capital for home improvements.

Speak to the experts

Mortgage Wise advisers are on hand to speak to you today. Whether you’re looking for a face-to-face appointment or a quick chat on the telephone, we are here to provide the mortgage broker advice you need for your next mortgage.

Let us handle everything

From application to liaising with lenders, solicitors and estate agents - we handle it all.
Our dedicated processing team to ensure your application is handled smoothly until the day you complete.

We provide a lifetime service

We’ve built our reputation on long lasting relationships with our clients. You will recieve regular contact from us beyond your initial application. When it’s time to remortgage, we will be in touch to discuss your options. Let Mortgage Wise take the hassle out of managing your mortgage.

The right mortgage for you in just three steps!

Compare the market

Call us or send an enquiry to get the ball rolling.

Complete your application

Our experts will handle all of the admin.

Let us do the hard work

We will chase everything for you and keep you updated until completion.

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Speak to our expert advisers today for assistance

We’ve built our reputation on long lasting relationships with our clients. You will recieve regular contact from us beyond your initial application. When it’s time to remortgage, we will be in touch to discuss your options. Let Mortgage Wise take the hassle out of managing your mortgage.