If it's time to remortgage, make sure you find the best deal on the market

Guidance for homeowners looking to remortgage

Your mortgage is the largest financial commitment you will have. In the same way that you might search for best deals for car insurance, it makes sense to review your mortgage on a regular basis, to ensure that it is still the right option for you and not just to stay with your original Lender.

We recommend reviewing your options 6 months prior to the current deal expiring and utilising expert remortgage advice is essential to guide you through this and secure the best mortgage deal moving forwards. This can be either with your existing lender or switching to a new lender altogether, as whole of market advisers, we are able to switch your mortgage to the best deal possible. Without securing a new deal, you will automatically revert to the lender Standard Variable rate, typically between 4-5%.

Making changes at the point of remortgage

As part of the remortgage process, you can also make alterations to the mortgage should you require e.g.:
  • Raising additional capital for home improvements, debt consolidation etc.
  • Add/remove borrower
  • Adjust the length of your mortgage term
Whatever the reason you require to raise funds against the property, we are able to provide remortgage advice across the market.

Our Process

With our professional mortgage advisers you can expect the following: 

We’ll have an initial discussion to discuss your requirements.

Review the market
Find the most suitable product and mortgage structure to suit your needs.

Report and Recommendations
Report our findings, including a full recommendation outlining our rationale. At this stage we’ll also confirm your borrowing capacity with Mortgage in Principle.

Full Submission
Submit an application, along with supporting evidence for the lender and see through to offer stage.

Working towards Completion
We will liaise with the lender and solicitor to ensure all requirements are in place and completion of the mortgage can take place without issue.

Ongoing Support
Provide support with future remortgages, purchases.

Bigmore Mortgages

Telephone: 01932 253939

Client Portal

Manage your mortgage online.
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"I initially used Chris 18 months ago for my first property. Chris was proactive in his approach, contacting me 6 months ahead of the expiry to discuss re-mortgaging given a rising interest rate environment. I likely would have forgotten altogether so I am grateful that he keeps his finger on the pulse!"

Tim Baker

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