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

Excellent
Based on 47 reviews
Jessica
Jessica
2023-08-29
I 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 Griffiths
Louise Griffiths
2023-08-28
I 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 Hebron
Calum Hebron
2023-08-05
Paul 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.
Czarina
Czarina
2023-08-04
My 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 Prestidge
Alistair Prestidge
2023-07-11
Paul 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!
James Colebrook
James Colebrook
2023-07-04
Having Paul assist with our property search an mortgage application has been brilliant. Paul has been very thoughtful and thorough when explaining the risks and benefits of products as well as patiently explaining processes. We'd happily recommend Paul to anyone else and would be more than happy to use his services again in the future.
Ev Galandova
Ev Galandova
2023-07-04
Very impressed by the service. We worked with Paul T and he was great. Definitely pleased to have gone through the process with this company. Recommending to anybody.
Peter Thomas
Peter Thomas
2023-07-02
Paul Tait has been extremely helpful with all aspects of my house purchase. He has explained many parts of the process that I did not understand, guided me through them and been readily available for calls at each stage.
Angela
Angela
2023-06-02
Paul has been extremely helpful and professional throughout the whole re-mortgage process. He is very solution orientated, responsive and supportive and I can't recommend him highly enough. Thank you very much Paul for your dedication and finally for making it happen!! Highly appreciated.
Michelle Boorman
Michelle Boorman
2023-05-31
Paul was an incredible broker to work with, would highly recommend! I went into the house buying process new and anxious, Paul was patient and walked me through the process each step of the way. Went above and beyond mortgage broking and felt like he was assisting throughout the buying process. Even when I went to put an offer in, the listing agent specifically said “you’ve got a really good mortgage broker, he is really on top of things”. He was prompt, helpful and matched me with a strong lender. 10/10.

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

Complete your details below and we’ll be in touch to help you with your enquiry

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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.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
 
Your Property Financial Ltd (FCA Number:942504) is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd (FCA Number: 187834) which is authorised and regulated by the Financial Conduct Authority.
 
We usually charge a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
 
The Financial Conduct Authority does not regulate some forms of buy-to-let, overseas and commercial mortgages.
 
Your Property Financial Ltd registered in England and Wales company number 12940973. Registered office address 5 Ducketts Wharf, South Street, Bishop’s Stortford, Herts, CM23 3AR.
 
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.