Remortgages
Remortgage mortgage deals
Shopping around for your next mortgage is a time consuming job. So, we put all our latest remortgage offers – sourced via our expert comparison tool – in one place. Our mortgage advisors will be happy to talk you through them.
Remortgage calculators
If your annual salary or expenditure has changed since you last secured a mortgage, let our mortgage calculator help. It’s the fastest tool in the business when you need to number crunch.
Remortgage calculators
If your annual salary or expenditure has changed since you last secured a mortgage, let our mortgage calculator help. It’s the fastest tool in the business when you need to number crunch.
Remortgage information
Understanding the ins and outs of remortgaging shouldn’t be taxing. Jargon-free and user-friendly, our remortgage guide tells you all you need to know.
Let Us Guide You
Check out our essential guides on all you need to know about the mortgage process.
Can I remortgage my home?
You may think your circumstances are unusual but, whatever your situation, lenders will usually consider an application.
What information do I need for my remortgage?
At PFC our expert mortgage advisers will review your circumstances and tell you whether it is worth remortgaging.
How does remortgaging work?
The remortgage process is usually less involved than buying a new home and it may be easier than you think.
Questions to ask when remortgaging
Remortgaging means switching to a new deal, either with your existing lender or a different one, while still living in the same home.
Remortgages FAQs
Remortgaging can help you secure lower interest rates, reduce monthly payments, or release equity for home improvements, debt consolidation, or investments. It’s also ideal if your current fixed-rate deal is ending, as sticking with your lender’s Standard Variable Rate (SVR) often means higher costs. Whether you’re self-employed, have equity growth, or want to switch to greener mortgage incentives, we’ll find deals that align with your goals—saving you money and boosting financial flexibility!
Costs include arrangement fees (£999-£2,000), valuation fees (£150-£1,500), legal fees (£800-£1,500), and potential early repayment charges (if exiting a fixed-term deal early). Some lenders offer cashback or free valuations to offset costs. At Property Finance Choices, we’ll calculate whether savings from a new deal outweigh fees and negotiate fee-free options where possible—keeping your remortgage cost-effective and stress-free!
Typically 4-8 weeks, depending on lender speed, property valuation, and legal checks. Staying with your current lender (a product transfer) can take 2-4 weeks, while switching lenders may extend timelines. We streamline the process by pre-checking documents, chasing progress, and connecting you with fast-track lenders—turning complexity into simplicity so you lock in better rates swiftly!
Yes! Specialist lenders work with borrowers who have CCJs, defaults, or poor credit, often requiring a lower loan-to-value (e.g., 60-75%) and proof of improved finances. While rates may be higher, remortgaging can still reduce monthly costs or release equity. We’ll match you with adverse-credit experts and craft a lender-friendly application—turning past challenges into future opportunities!
Absolutely! Many lenders offer terms into your 70s, 80s, or beyond, especially with pension income, savings, or equity. Options include Retirement Interest-Only (RIO) mortgages or equity release. We’ll find lenders who prioritize your assets and retirement cash flow over age, ensuring you access competitive rates and tailored solutions—because your golden years deserve financial peace of mind!
