Remortgage uk

Find the best remortgage or flexible remortgage in the UK?

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Welcome to Remortgage UK

As Insurance and Mortgage / Remortgage Brokers based in the UK, who adhere to the policies laid down by the Financial Services Authority and the Office of Fair Trading, we advise clients on a wide range of financial matters including: A Remortgage, Mortgage, Loan, General Insurance and Life Insurance. We can also advise on Healthcare and Income Protection and can give clear, easy to understand advice to meet your objectives.

Remortgage uk is intended for your convenience. We very much hope that you find this service helpful and we would urge you to try the various quotation facilities which we have made available. These will help you decide whether you are paying too much for your current house or motor insurance, loan or even your mortgage or remortgage.

If you would like to discuss any particular issue in general terms, or seek advice tailored to your individual circumstances, please do not hesitate to contact remortgage uk via our enquiry forms or contact us on freephone 0800 107 92 40.

click the NHS logo above for enquiries relating to the NHS Privilege Scheme

Written quotations available. Mortgage or remortgage secured on property. Insurance may be required.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Remortgage UK a trading name of HomeCall+ Ltd is authorised and regulated by the Financial Services Authority

Members of the British Insurance Brokers Association

This site is intended for UK residents only.

The overall cost for comparison for remortgages is 5.9% APR. The actual rate will depend on your circumstances. APR variable and based on a usual case. There may be an additional charge for advice on certain cases.

Are you interested in cheap Life Insurance UK
or Home Emergency Insurance

Landlord Insurance

Remortgage basics

To remortgage is simply to obtain a new and better mortgage deal with a new loan secured on your property. You can remortgage with your existing lender but it is more common to remortgage with a new provider to enjoy a better rate.

Why remortgage?
• Remortgage to save money
With so many mortgages on offer from so many providers, it pays to shop around and remortgage to save on monthly payments.
• Remortgage to pay off your loan earlier
A remortgage may be at a sufficiently lower rate to enable you to pay off the mortgage more quickly.
• Remortgage to raise money
You may wish to remortgage to raise funds to improve or extend your home.
• Remortgage to consolidate debts
A remortgage is a cheaper way of paying for credit than credit cards and other loans so a remortgage can cut your monthly debt repayments considerably.

Find more information on personal finances at the Financial Services Authority and from the government information service.

How to remortgage

You can contact your current lender to ask for a quotation to remortgage. You may also remortgage by applying to alternative lenders. You may seek help with your remortgage from a broker or financial adviser. They deal with hundreds of remortgage applications each month and will be able to find the best remortgage deal and remortgage provider for you.

If you plan to remortgage the government information service offers advice on financial products.

Remortgage process

It is simpler to remortgage than to secure a new mortgage.

• Remortgage step one
The remortgage lender will value your home even if the remortgage is within a year or two of your original purchase.
• Remortgage step two
Apply to the remortgage lender.
• Remortgage step three
Receive and accept the remortgage offer.
• Remortgage step four
Lawyers will carry out conveyancing
• Remortgage step five
Receive remortgage advance. Your solicitor will pay off the original loan before sending any surplus funds to you.

Remortgage costs

Although it’s much cheaper to remortgage than to agree a fresh mortgage, you may have to pay the following remortgage costs: -

• Valuation charge
• Legal fees
• Arrangement fee (to lender)
• Broker fee
• Early repayment charge or other penalty from your original lender.

Even after these costs it is often cheaper to remortgage but you should calculate them before committing to remortgage.