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Award Winning Remortgages
We’ve been recognised for our fantastic range of remortgage products and deals, and we’re always looking to improve!
Our great relationships with our lenders means we have access to a multitude of remortgage deals, including exclusives.
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If you’re looking to replace your current mortgage deal with a better one, it could be time to remortgage. We understand that each individual circumstance is different. That’s why our remortgage deals are tailored to your property, its value and your specific requirements.
Remortgaging is the term which has been coined for the process of getting a new mortgage deal. If you’re already a homeowner, you will have a mortgage already. Getting a new mortgage deal is known as remortgaging.
The most popular time to remortgage is as soon as the fixed rate on your current mortgage deal comes to an end. This is because after your current deal has expired, you may be moved on to your lender's Standard Variable Rate (SVR) which tend to have higher rates than that of a new mortgage deal. However, it’s not uncommon to remortgage your home before this occurs, as a way of securing a better mortgage rate.
Homeowners look to remortgage for many reasons, often to reduce the overall amount of their monthly mortgage payments or interest rates. It could be to fix your mortgage rate, to avoid future inflation. Others want to pay off a mortgage sooner, whilst some people opt to raise capital to consolidate other debts or begin new ventures.
It works by paying off one mortgage with the proceeds acquired from a new mortgage deal, whilst using the same property as security. The greater your equity and the lower your Loan to Value (LTV), the rates you will qualify for will be much more competitive. Start by finding a mortgage broker, like MortgageKey.
Each individual’s circumstances will be different. Therefore, each mortgage product will be different. Often, remortgage deals are tailored to each person’s needs, property and financial situation, so it’s best to seek further advice from qualified personnel before taking action.
Everybody will need to remortgage their property at some point in their lifetime. Choosing the right deal will depend entirely on your individual circumstances. You may want more flexibility or a better interest rate but remember the best deal is not always about saving money. There are multiple options which each require careful consideration.
The process of remortgaging, and choosing the right mortgage deal, requires a lot of research, we appreciate that. That’s why, here at MortgageKey, our industry experts take the time to compare and search through thousands of remortgage deals from leading remortgage providers to present you with the options they believe are right for you.
Be aware of early repayment charges and other fees when remortgaging. It’s not always as straightforward as it seems. Do your research and compare different lenders and rates before making your decision. Consider whether or not you will be able to continue afford the repayments, of not your property could be seized.
Firstly, there is no obligation or fees for our friendly advice or quotes. Secondly, you can benefit from our years of experience and lasting relationships with a comprehensive range of lenders. Finally, our expertise and knowledge with help you to familiarise with even the most complex remortgage procedures.Relieving you of the stress and complexities of remortgaging is high on our agenda. We have the people in place to do the hard work for you. The constant changes in our industry mean we always have our finger on the pulse, keeping you are as up-to-date as possible so that you can make the right decision.By keeping a close eye on the market, and through regular activity with our lenders, we are perfectly poised to identify which providers are best suited to your individual circumstances.
Our mortgage advisors are available Mon-Fri from 9am to 8pm, giving you plenty of opportunity to seek a quick overview of what your mortgage deal could potentially look like.
A dedicated team of mortgage experts will answer your questions, queries and provide quality advice for your personal circumstances and the specific mortgage product suited to you.
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