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Re-Mortgaging

Home - Services - Re-Mortgaging

Remortgaging your Property

Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, we can help.

Remortgaging can help your financial health in many ways. In simple terms, remortgaging involves moving your current mortgage to a new arrangement, arranged either with your existing lender or with a new lender.

Many borrowers choose to review their mortgage every few years in order to take advantage of the new rates on offer. Those who remain on the same deal for the full term of their loan could lose out by paying more money than they need to. They could also miss out on the chance to finish their mortgage term earlier than originally planned.

THE CORE REASONS TO CONSIDER REMORTGAGING

Avoiding Moving Home

It can be more convenient and cost-effective to enhance your existing property, rather than move home. This...

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Avoiding Moving Home

It can be more convenient and cost-effective to enhance your existing property, rather than move home. This can be financed by remortgaging or a further advance.

Avoid Wasting Money

When you take out your current loan, there will be features that make it competitive and attractive to you. It may be ...

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Avoid Wasting Money

When you take out your current loan, there will be features that make it competitive and attractive to you. It may be that your incentive period is coming to an end, or simply that the market has changed.

This could allow you to save money on your monthly repayments, or to repay your mortgage sooner. If your current lender doesn’t offer better rates or greater flexibility on its other products, you may want to consider switching your mortgage to another lender.

You may be better off doing so, even if this triggers early repayment charges payable to your existing lender, as this could still mean a net saving to you, however, it is important to seek advice before making any decisions.

Unlock Money When Needed

You may have a wedding or education fees to fund. If your property value has risen, you could ...

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Unlock Money When Needed

You may have a wedding or education fees to fund. If your property value has risen, you could release some of the capital to help towards this.

Smarter Mortgage Debt Solutions

Remortgaging can allow you to release some of the value you hold in your home and consolidate other debts that ...

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Unlock Money When Needed

Remortgaging can allow you to release some of the value you hold in your home and consolidate other debts that can attract higher rates of interest than that of your mortgage (e.g. credit cards).

Think carefully before securing other debts against your home. While debt consolidation often reduces the amount of monthly repayments, making them more affordable, it will normally involve extending the term over which you repay the debt(s), which often results in you paying more for the debt in total.

Get in Touch with Us!

Ready to take the next step? Contact us today and our friendly team will connect you with a personalised mortgage adviser.

Registered Address

71-75 Shelton Street, Covent Garden, London, Greater London, WC2H9jq

Office

The Gate House, Gatehouse, Aylesbury, Hp19 8BD

Hotline

0208 090 5270

WhatsApp

0754 967 8525

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Privacy Policy Complaints

FAIRFIRST MORTGAGES LIMITED Registered office address: 71-75 Shelton Street, Covent Garden, London, Greater London, WC2H 9JQ.

FAIRFIRST MORTGAGES LIMITED is an appointed representative of OSL Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority under FRN 948512.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at customers based in the UK.

At FairFirst Mortgages, our fee structure is designed to reflect the level of service and expertise we provide, while remaining transparent and fair to our clients. For a single client applying for a mortgage, our standard application fee is £495. For joint applications, the standard fee is £695. These application fees are non-refundable and cover the initial consultation, mortgage advice, research, and submission of your mortgage application.

In cases where the mortgage is more complex such as those involving specialist lending, adverse credit, self-employment, multiple income sources, or unique property types we may charge an additional fee. This fee is based on the level of complexity and the time and workload involved, ranging from 1% up to a maximum of 2% of the property value. This additional charge will always be fully discussed and agreed with you in advance, before we proceed.

For all fee arrangements, 50% of the total agreed fee is payable at the point of recommendation, once we present you with a tailored mortgage solution. The remaining 50% is payable upon receipt of your formal mortgage offer from the lender

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