READY TO secure your NEW mortgage DEAL?
Now is the time to secure your new mortgage deal to keep your payments as low as possible
You can find out how much money you will save with Your Property Financial remortgage experts.
What is a remortgage?
Remortgaging is the process of moving your mortgage on your existing property from one lender to another.
Your new mortgage will then replace your old one. You typically will want to remortgage if your current rate is coming to an end.
If you don’t take a new rate before your current rate expires you will automatically revert to the lender’s standard variable rate, otherwise simply known as the SVR rate.
What is Standard Variable Rate or SVR
As your current rate expires you will revert to your current lender’s SVR rate or Standard Variable Rate, this is essentially the rolling/ standard rate you will revert to if you’re not in a deal or your deal has expired.
This rate will typically be much higher so it’s important you take action today to secure a new rate before it’s too late.
What clients are saying about us
Georgiana Olescu2024-04-10Paul is an amazing broker, very helpful, responsive to emails and patient with customers. The process with him was quick and easy as his work ethic is impeccable. We are beyond impressed and happy with his services and that we got to work with him.
Valerie O2023-12-28Exceptional service provided by Paul, I could not have asked for better. Definitely does his due diligence and goes above and beyond. Highly recommended!
Bonnie Frost2023-12-25Paul is a fantastic advisor and guided my husband and myself through the entire process of buying our first home, he made the entire process feel easy and we were well informed along with great communication and fast action. We completed within 3 months of contacting Paul.
Johnathan Lowery2023-11-16Working with Paul has been a hugely positive experience. Paul took the time to understand our needs and financial situation, ultimately securing us a mortgage deal that we would not have been able to obtain on our own. His guidance and patience over an extended time was invaluable in guiding us through a volatile period in the property market. I highly recommend working with Paul at Your Property Financial.
Adeel Sarwar2023-10-02It has been great working with Paul. He helped us to redeem our help to buy equity loan which didn't seem possible to me when I first contacted him. It took much longer than expected due to many obstacles but Paul explained every step of the process very clearly and he regularly communicated with me to ensure the remortgage went through as efficiently as possible. I would definitely recommend working with Your Property Financial.
Jessica2023-08-29I would highly recommend Paul as a mortgage broker. As a first time lone buyer I began the process feeling very out of my depth, particularly in a market where mortgage rates are very high. But from the get go Paul provided reassurance and practical guidance and has been immensely helpful throughout the process. I've really appreciated his responsiveness, honesty and support.
Louise Griffiths2023-08-28I reached out to Paul 2 years ago and giving this review now because I wanted to ensure that I could give a true review of what benefits I have experienced from using his service. I am thrilled with the financial expertise given to me by Paul. His skillful negotiation secured me an excellent mortgage rate within a short turn around time. This has not only set me on the path to paying off my principal balance but has also allowed me to simultaneously build a solid emergency fund. His initial guidance has been invaluable in shaping my financial future. I look forward to working with Paul again, once my 5 year plan is near its end. Highly recommended!
Calum Hebron2023-08-05Paul has been consistently excellent, ensuring we got the best possible mortgage deal at a time when rates weren't great. Paul worked with us to understand our financial complexities and went above and beyond to ensure they were understood by mortgage providers. We've been made to understand every stage of the process, and as first time buyers we were able to feel confident in the decisions we made. I would highly recommend working with Paul at Your Property Financial.
Czarina2023-08-04My almost a year-long journey with Paul as my broker has been truly amazing, despite a few hiccups during the mortgage process. Working with him has been the best decision ever! As a first-time buyer, I lacked knowledge about purchasing a home, but Paul's guidance and expertise were outstanding. He explained things in a clear and concise way. What impressed me the most was Paul's responsiveness. He promptly addressed all my questions and concerns, never making me feel like a bother. Even when I faced challenges, Paul's determination and problem-solving skills were unwavering. I felt so supported throughout the entire process. Thanks to Paul's unwavering support, I managed to reach this point. I highly recommend him to anyone, especially fellow first-time buyers. Paul's knowledge, patience, and reliability are unmatched. He's not just a broker; he's an invaluable ally in this complex process. Thank you, Paul!
Alistair Prestidge2023-07-11Paul helped me to get my Mortgage approved in less then 48 hours! He has been great and I can’t recommend him highly enough. His communication is excellent, and he helped me understand each stage of the process easily. Thank you so much for helping me buy my very first home! I will most certainly be recommending Paul to friends & family!
Remortgaging is likely to fall into 2 scenarios:
Firstly you may wish just for a new rate and no other changes.
Or secondly, you may wish to make some changes to your mortgage. This could be for a variety of reasons and some are listed below:
Borrow extra funds to complete home improvements
Debt consolidation
Adding or taking away someone from the current mortgage
Raising funds to buy another property
Looking to raise funds to gift to a dependant to help them get on the ladder
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There are many ways you could look to improve your home or finances with borrowing extra with your mortgage.
- Structural work like an extension or adding extra bedrooms.
- Installing a new bathroom or kitchen.
- Buying freehold or extending lease.
- Paying off Help to Buy loan in full.
- Buying out ex-partners share in event of a breakup.
- Raising funds for another property purchase.
- Wanting to raise funds to gift to your child to help them get on ladder.
- Reducing your current mortgage term
- Car purchase.
- School fees.
- Buying a new car
Your broker here to help
Our team of mortgage brokers are specialists in helping you navigate all of the different rates, fee’s and deals to make sure you end up with just the one mortgage that’s right for you. We also help manage the whole process for you so it’s nice and straightforward.
Often the lenders will make assumptions or even worse let the computer make the decision on whether to lend to you, this is where we step in to ensure you get the correct consideration for your application and we help present your application in the best light; increasing your chances of acceptance on your first application.
Why choose us
We’re experts in the field
Our team of brokers are specialists with helping to get you new mortgage deal and can help you understand the best options available to you as we fully consider the rate and all the different fee’s to make sure you get the most suitable terms
We can find great deals at speed
Access to over +90 lenders so you will get the most suitable rates and terms available with many of these lenders not available on the high street which are exclusive to brokers.
relationship
Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward. Plus your mortgage broker is there answer all the questions you may have.
Rapid solutions
We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you.
If you prefer to speak face to face we can also arrange a video call.
