Need to remortgage?

home refinance

Need to remortgage? When you remortgage, you have the opportunity to release equity and improve your overall property finances. It’s a great way to get a better mortgage rate and ensure you’re set up correctly for the next few years. If your current mortgage is expiring or you need to raise additional funds for home improvements or debt consolidation, remortgaging now could be the solution you’re looking for.

Check out our brief Remortgage intro video👇🏾

Excellent
Based on 52 reviews
Georgiana Olescu
Georgiana Olescu
2024-04-10
Trustindex verifies that the original source of the review is Google.
Paul 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 O
Valerie O
2023-12-28
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Exceptional service provided by Paul, I could not have asked for better. Definitely does his due diligence and goes above and beyond. Highly recommended!
Bonnie Frost
Bonnie Frost
2023-12-25
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Paul 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 Lowery
Johnathan Lowery
2023-11-16
Trustindex verifies that the original source of the review is Google.
Working 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 Sarwar
Adeel Sarwar
2023-10-02
Trustindex verifies that the original source of the review is Google.
It 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.
Jessica
Jessica
2023-08-29
Trustindex verifies that the original source of the review is Google.
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
Trustindex verifies that the original source of the review is Google.
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
Trustindex verifies that the original source of the review is Google.
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
Trustindex verifies that the original source of the review is Google.
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
Trustindex verifies that the original source of the review is Google.
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!

These are just some of the exclusive rates your mortgage broker will be able to access, of course, it is dependent on your circumstance which rates will be available to you, and your mortgage broker can help you understand your options.

In the UK on average, thousands of people remortgage every month. This is split almost 50/50 on those simply remortgaging to get better terms on their current mortgage deal that has expired and those looking to raise extra funds for things like home improvements and debt consolidation. 

Once your mortgage rate ends you need to get a new mortgage otherwise you will revert to your lender’s standard variable rate (SVR) and that is usually many times higher than the rate you were paying, which means your payments could rise dramatically. 

remortgage and release equity

So you now need to remortgage your property finances and potentially you will be able to secure better terms if your loan to value has decreased or keep your payments similar to the level they were on the previous rate if that is available to you.  

A mortgage broker can help you by researching all the lenders (there are over 70+) and find the most suitable terms for you depending on your circumstance and requirements. 

How much can you borrow-check it out here (➡️ How much can I borrow)

When you remortgage it is a chance to refresh your mortgage and overall property finances and make sure you’re set up correctly for the next several years. 

Read on if you’re looking to raise additional funds for things like home improvements and/or debt consolidation ➡️ additional borrowing

REMORTGAGING IS LIKELY TO FALL INTO 2 SCENARIOS:

Unlock unmatched benefits with our broker services for remortgaging.

If you’re considering remortgaging, working with a broker can be a game-changer. Not only does it provide a clear and straightforward path to savings, but it also offers a range of benefits that can help you make the most of your money. With a broker, you’ll have access to expert advice and guidance every step of the way, ensuring that you get the best deal possible. Here’s how using a broker can make your remortgage experience smoother and potentially save you money:

mortgage affordability

1. Save Time and Effort: Researching countless lenders and poring over mortgage options is extremely time-consuming. A broker does the legwork for you, assessing your needs and scouring the market to find deals that fit your criteria.

2. Access a Wider Range of Deals: Brokers typically have access to a wider range of products than what individual lenders offer directly. This means you’re not limited and have a higher chance of finding a more competitive interest rate or a mortgage with features that suit you better.

mortgage calculator
benefits of using a mortgage advisor

3. Expert Guidance: A qualified broker brings a wealth of knowledge to the table. They can explain complex mortgage terms, answer your questions, and guide you through the entire remortgage process, ensuring you understand all the details before committing.

4. Increased Chances of Approval: Brokers understand different lenders’ criteria and can tailor your application to fit their requirements. This can significantly improve your chances of getting approved for the best remortgage deal.

prequalify for home loan
re mortgage

5. Streamlined Paperwork: Remortgaging involves a lot of paperwork. A broker can handle much of this for you, saving you time and ensuring all the necessary documents are submitted correctly.

6. Help with Insurance: Many brokers can also advise on remortgage-related insurance, such as buildings and contents insurance, helping you find the right coverage at a competitive price.

home insurance broker

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Why choose us

✅ Over 70+ lenders, many exclusive to brokers, means you get the best rates.

✅Trust our experienced advisors to assist you, whatever your circumstances.

✅ Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward

✅ 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