Need To Remortgage?

Don't let rising interest rates derail your plans. With interest rates on the rise, securing a remortgage deal that protects you from rising payments is more important than ever.

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.

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Check out our brief Remortgage intro video ⬇️

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.

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 circumstances 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

      EXCELLENT  
   Based on 85 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Adam Drew 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a very positive experience with Paul. His knowledge and expertise were invaluable to help me navigate the process as a first time buyer and his advice extended beyond just mortgage applications. I was applying with complex circumstances and Paul always dealt with my with patience, compassion, and consummate professionalism.
  
 
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   Hollie 
 
 
 
 Trustindex verifies that the original source of the review is Google. I bought my first home in November last year, and had not a clue what I was doing. Paul was amazing in explaining everything step by step, answering any questions I had (there were a lot!) and guiding me through the process. Would 100% recommend going through him!
  
 
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   Tobias Robinson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Paul from YourPropertyFinancial was an incredible help to my partner and I as first time buyers. From our initial approach in early '24, through to our making an offer in September and completion early this year,  Paul was diligent and attentive, keeping everyone involved (including us) to every deadline and as accurate as possible. Would highly recommend.
  
 
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   Tone 
 
 
 
 Trustindex verifies that the original source of the review is Google. We found Your Property Financial to be very professional, helpful, reassuring and very supportive. As first-time buyers we had our worries because of our lack of knowledge of the process of buying a house but Your Property Financial took their time to explain everything to us clearly on every step of the way, which alleviated any worries, and they found us a fantastic mortgage deal. The follow up calls have been very much appreciated, as has the great advice they've shared with us on this journey. Recommended.
  
 
      Posted on Google  
   
   Lewis Pick 
 
 
 
 Trustindex verifies that the original source of the review is Google. Paul has been extremely helpful throughout the process of buying our first house, he has taken the time to explain all of the steps. We felt supported throughout and couldn't recommend them enough.
  
 
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   Laura Chola 
 
 
 
 Trustindex verifies that the original source of the review is Google. Paul is great. We never went through home buying process before, so it was all very new to us, but he guided us through the whole thing, he helped much more than he needed to and stayed with us until the end of the transaction. Paul will do anything he can to work in your interest, which unfortunately is rare nowadays. Side note - our mortgage got approved within 3 days! He really knows what he’s doing! Thanks Paul!
  
 
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   Laura Smith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Paul has been incredibly reassuring, professional, and knowledgable throughout our first-time property buying experience-  I would highly recommend their service to anyone!
  
 
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   Dean Sayer 
 
 
 
 Trustindex verifies that the original source of the review is Google. From first enquiry to completion, Paul has been amazing. He gave really great advice and lead the way through what is usually one of the most stressful experiences anyone can go through. Paul was always prompt, reassuring and extremely knowledgeable and stayed with us right to the very end. I would not hesitate to recommend Your Property Financial to anyone.
  
 
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   Allison Sharp 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly professional service provided to a first time buyer/busy professional services advisor with patience, empathy and flexibility where rescheduling was required due to work commitments, in a complex divorce situation. Paul clearly outlined options, and continuously supported with unprompted chasers of solicitors, mortgage brokers and insurers throughout the process (including chasing GPs for medical reports required by insurers for several months) and proactive reminders on tasks / check-ins to align on status throughout the process - I can't recommend Paul/YPF enough. Thanks Paul!
  
 
      Posted on Google  
   
   Alex Gallagher 
 
 
 
 Trustindex verifies that the original source of the review is Google. Your Property Financial and in particular Paul Tait are a top class operation. My experience is that regardless of the complexity of the case, Paul is so knowledgeable and well connected and so is always able to find the right options and solutions. Paul is an excellent communicator - always quick to respond and often providing updates. He has connected me to multiple colleagues in his network who have supported on topics from conveyancing to wills. I would highly recommend. 5 stars all day long.

REMORTGAGING IS LIKELY TO FALL INTO 2 SCENARIOS:

Firstly you may just want a new rate and no other changes, other than a reduction of costs.

Or this is now the time where you 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 dependent to help them get on the ladder.

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 most suitable deal possible. Here’s how using a broker can make your remortgage experience smoother and potentially save you money:

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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.

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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.

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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.

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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 most suitable remortgage deal.

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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.

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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.

While there may be a fee associated with using a broker, the potential savings on your remortgage and the convenience of their expertise often outweigh the cost. Consider it an investment in securing the most suitable deal for your financial future.

Need to remortgage?