Author: Dax McLean

In 2013, something exciting happened in Great Britain! The Help to Buy government loan scheme was proudly launched.

The scheme provides a great opportunity for first-time property buyers to get on the property ladder without putting too much additional stress on their budget.

How does it do that?

By offering successful applicants a 20% government loan, meaning that the buyer only needs to obtain a 75% mortgage and put down a 5% deposit.

The not-so-great news is that the Help to Buy scheme expired in March 2023, with new applications ceasing towards the end of 2022.

So now, if you’re on the scheme, you’ll find it challenging to remortgage your loan and have several boxes to check along the way, but that doesn’t mean it’s impossible.

I am on the Help to Buy Scheme – Can I Remortgage?

While on the Help to Buy scheme, you’ll be on a fixed rate for 2 to 5 years and can indeed remortgage, but you will find it hard to find a similar deal.

Switching to the lender’s Standard Viable Rate is the norm if you can’t find a new deal.

Unfortunately, this rate can be expensive as the interest rate is set solely by the lender, is typically higher than available deals and can fluctuate without much warning.

You must follow the correct process if you find a lender and switch.

The most important part is to make a Deed of Postponement to the scheme administrator.

A qualified mortgage broker is best to assist you with this.

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A bit of extra info: according to legal terms, a Deed of Postponement is a legal agreement that’s set in place between two lenders.

Its purpose emphasises each party’s rights and prioritises the lender holding the first charge.

Both lenders will still be paid, but only the first lender will be a priority.

Is Remortgaging a Wise Choice for Me?

Realistically speaking, only a few lenders offer Help to Buy remortgages, especially if you still need to pay off or reduce the 20% equity loan.

In addition, lenders may see you as a risky borrower because you have two loans on one property.

As a result, the deals made available to you come with higher fees and interest rates.

While this is all true, it’s also important to note that your lender’s Standard Viable Rate may still be more expensive than remortgaging.

If your property value decreases, you’ll find your options even harder to come by.

This is called “negative equity”, meaning that if you sell your property, it won’t cover the remaining balance of your outstanding mortgage.

So what should you do if you’re in negative equity? In most instances, mortgage brokers may advise waiting until the property prices increase again.

Remortgaging to Pay off the Help to Buy Loan

The 20% government loan portion must be correctly managed when you choose to remortgage. You will begin paying interest after being a property owner for 5 years.

There’s a risk to the lender offering remortgage loans, but if you’ve paid off the equity loan before remortgaging, you’ll find that your loan requests are viewed more favourably.

But what happens if you still need to pay off the equity of the loan?

The good news is that a few options are available to you, even though they’re a little trickier to come by and set in place.

When chatting with a mortgage broker, they may recommend one of the following courses of action for you to take:

1. Do Nothing – That Means You Keep the Entire Loan

Your current lender may be willing to strike a new deal with you, or you may want to seek out alternative options with a new lender.

Unfortunately, the costs of this may be higher than what you’re paying.

When you want to sell the property, you’ll still need to pay back the 20% equity, which is unfortunately based on the property’s value, meaning that the amount you have to pay back may be higher than you initially thought.

So while you can do nothing and continue as usual, you may find that your monthly costs climb as you’ll have new interest to pay.

2. Reduce the Government Loan to 10% Through Staircasing

One of the biggest downsides of the Help to Buy scheme is the 20% government portion of the loan that can increase when your property value increases.

This is why many people opt to staircase their loan. Staircasing is for shared ownership mortgage holders who want to pay off a larger portion of their property when they have the funds for it.

This means you could reduce your loan’s government portion from 20% to 10% by paying monthly instalments.

Many are attracted to this option because it means building additional equity in the property without increasing the monthly instalments too much.

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3. Repay the Loan in Full Through Remortgaging

Another possible route is to combine the property loan with the government loan and remortgage the amount to pay it in full.

This is a solution to the problem of the 20% government portion of the loan increasing along with your property value.

If you wish to sell the property, you won’t have a separate 20% loan to pay back, leaving you with 100% of the sale.

This is most often done when the property value has increased.

In such a scenario, you’ll use the accrued equity to pay off the equity loan, but it’s important to note that the monthly instalments will increase, and you’ll need to ensure you can afford those.

Remortgaging with Help to Buy Conclusion

If you’re worried about the increased interest impacting your budget, it’s important to decide what you will do as your Help to Buy scheme comes to an end.

Speaking with a qualified mortgage broker at least 60 days before your Help to Buy scheme ends is a step in the right direction.

Once you’re in touch with your broker, discuss the available options and make a decision that’s the most financially viable for you.

Ready to remortgage?

Whether you want remortgage to find a lower interest rate, or raise money for home improvements, we may be able to help you find a better rate.

Call us today on 01925 906 210 or contact us to speak to one of our friendly advisors.

Owning a property, or at least paying a property off, is a dream for many people in the UK.

If you’ve landed the mortgage required to buy the property of your dreams, you’ll undoubtedly be walking on air.

But there comes a time when remortgaging your property loan might make sense and the stress associated with it could knock the wind right out of your sails.

Remortgaging is done for several reasons, as follows:

• To get a better interest rate
• The value of the property has increased, and the owner wants equity released
• The property owner’s financial situation has changed, and they can afford to pay more of their loan off each month
• They want to use the additional funds for home improvement that will essentially increase the value of the property
• They’re in debt and need the additional funds for debt consolidation

Regardless of your reasons for remortgaging, there is a process to follow and hoops to jump through.

And because of this, many homeowners want to know if a solicitor is required when they decide to remortgage.

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Yes, You Need a Solicitor to Remortgage!

If you’re wondering if you need a solicitor to remortgage your property, the answer is a great resounding YES!

You won’t need a solicitor if you’re simply switching lenders, but if you’re remortgaging the entire loan, there’s more legal work involved, and a solicitor is required.

Remortgaging solicitors are referred to as Conveyancing Solicitors.

In addition to remortgaging, you can do more with a solicitor.

With the help of a solicitor, you can add an owner to your mortgage (ownership change), which requires legal documents to be generated.

You can also remove an owner and become the sole landlord. These changes require many boxes to be checked.

Keep in mind that remortgaging can take up to two months to process.

However, if you’re transitioning from one product to another with the same lender, some verification steps can be skipped, and the process can be completed quicker.

Should I Pay for a Conveyancing Solicitor or Use a Free Service?

Everyone wants to save money somehow, and it’s much the same regarding remortgaging, but saving money doesn’t always put you in the best position.

For example, many property owners are confronted with conveyancing solicitor costs and seek free services.

Many brokers and lenders offer free legal help packages, and while they’re alluring, they’re not always worth your while, especially in a scenario where time is of the essence.

When conveyancing services are offered for free, they’re usually basic services that are slow and laborious to complete.

If you want your remortgage handled quickly, efficiently, and professionally, paying for the help of a qualified conveyancing solicitor who will focus directly on your case is the best solution.

What Does a Conveyancing Solicitor Do for You?

In the UK, there are several boxes to check when remortgaging.

Your ID will need to be verified but it extends beyond that, too. Leasehold checks and bankruptcy checks also apply. Your solicitor will ensure that everything is taken care of.

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Of course, you’ll need to meet the criteria to qualify, and your mortgage solicitor can assist you by doing the following:

1. Get An Account Overview

The current state of your financial deal is important for new lenders to determine what type of risk you pose them.

Your solicitor will acquire an overview of your account from your current lender, featuring your latest balance, interest accrued, and penalties for exiting (this is called a redemption statement).

2. Be a Reliable Witness

All legal paperwork must be signed and checked.

Your final signature also needs to be witnessed. Your solicitor can serve as a reliable and trusted signature witness.

3. Manage the Finances

In the case of releasing equity, your solicitor will act as a legal manager of mortgage funds that are used to pay off the existing loan and then ensure that the balance of the funds is transferred to you.

Having a solicitor managing the finances ensures that the funds are directed as required, with no hiccups along the way.

4. Land Registry Checks and Updates

Your solicitor will do a Land Registry check to ensure that there’s nothing strange on the property deeds and that nothing has changed.

If there are any irregularities, your solicitor can assist with ensuring they’re sorted out as quickly as possible.

5. Review all Legal Contracts and Advise

You can expect your solicitor to read through the entire mortgage offer, indicating areas that need attention and explaining confusing fine print.

Mortgage terms can be confusing, and this service can save you the hassle of getting into a contract that’s unfair or confusing,

6. Land Registry Paperwork Filing

Once all the paperwork is done, your solicitor will file the remortgage paperwork with the Land Registry.

During this process, they will legally confirm that the previous mortgage is paid off and ensure that the property title is updated legally.

The Legal Cost of Remortgaging in the UK

There are several factors that impact the legal costs involved in remortgaging. In most instances, it could cost anything up to £1,500.

Factors that influence UK remortgage costs include:

• The cost of the new loan
• Property searches carried out by you and your lender
• How speedy lenders are with their paperwork
• Ownership transfers
• Whether you intend to buy out a co-owner

On top of the remortgaging fees, you’ll also have to pay conveyancing fees, Land Registry fees, bankruptcy search fees, and title copy fees as follows:

• Conveyancing – anything between £300 and £1,500
• Land Registry fees – anything between £20 and £910
• Bankruptcy searches – this costs £2 for a regular search and £3 for a priority search
• Title copy fees – an official title copy costs £12

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Do I Need a Solicitor to Remortgage My UK Property? Conclusion

Take the time to choose a remortgaging solicitor in the UK who has the experience, works on your side, and takes the time to ensure that you understand the process and fine print.

A remortgage is a financial decision that requires forethought, guidance, budgeting, and understanding.

Ready to remortgage?

Whether you want remortgage to find a lower interest rate, or raise money for home improvements, we may be able to help you find a better rate.

Call us today on 01925 906 210 or contact us to speak to one of our friendly advisors.

As your current mortgage deal draws to a close, you may get slightly anxious about switching to the lender’s SVR (Standard Variable Rate).

For most property owners, the SVR will be higher than the fixed mortgage rate or special deal they’ve been on, so remortgaging becomes the focus.

The trick is to note when your current UK mortgage deal will expire so that you can make your applications well in advance.

Remortgage deals UK typically take 4 to 8 weeks to process.

If you’re wondering if remortgaging is the best possible course of action, you’ll want to know more about the financial process before you start.

Below, you will see a step-by-step breakdown of how remortgages work in the UK.

Steps to Remortgaging Property in the UK

Step 1: Receive Fair Warning From Your Current Lender

If you’ve been on a two-year or five-year fixed rate, your lender will contact you in advance to give you fair warning of your upcoming expiry date.

This will give you sufficient time to prepare for the switch to the lender’s SVR.

If the SVR is more than your current rate, you will have time to start investigating other options and determine if remortgaging will save you any money or end up costing you more.

Step 2: Request a Redemption Statement

A redemption statement provides information on the remaining balance on your UK mortgage. This includes all fees and costs.

If you decide to remortgage, you must acquire this amount to pay off the existing loan.

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Step 3: Investigate and Repair Mortgage Brokers

Doing comparisons of lenders and their available UK mortgage deals will help you determine which deal is best for you.

Using a mortgage broker will simplify this process and help you find the best deal quicker.

Mortgage brokers have access to the entire scope of lenders able to assist you with remortgaging. Remember to ask your broker what their fees are before you get started.

Related reading: 

• Reasons for remortgaging.
• Remortgaging to release equity.
• Remortgaging to buy another property.
• Remortgaging with bad credit.
• Remortgaging for home improvements.
• I own my house outright can I remortgage? 
• Capital raising mortgages.

Step 4: Determine Which Mortgage Type is Right for You

You will find various types of mortgages you can remortgage with.

For instance, you could opt for an interest-only mortgage that often provides lower monthly instalments.

Or, you could opt for a regular repayment mortgage.

With multiple options available on the market, a mortgage advisor can explain the options available to you and help you to make a suitable choice.

Step 5: Acquire the Services of a Solicitor

If you’re staying with your existing lender, you’ll not require a solicitor.

But, if you’re switching to a new lender, a solicitor or conveyancer is required to handle the legal documents and ensure that the title of the property is correctly transferred.

Step 6: Prepare for the Eligibility Checks

You’ll need to undergo eligibility and affordability assessments.

Supporting documents must prepare in advance if you want the UK remortgaging process to run smoothly.

Both brokers and banks will request the following:

• Bank statements or payslips (the last 90 days)
• Your P60
• Proof of commissions and bonuses
• If you’re self-employed: last 3 years’ accounts
• Copies of your utility bills
• Records of any subscriptions you have
• Proof of address (that goes back for 3 consecutive years)
• Valid ID (you can use your driver’s license or passport)

Step 7: Obtain a Mortgage in Principle

Lenders will scrutinise your paperwork, and if all is in order, you will be issued a mortgage in principle.

This written statement doesn’t guarantee but indicates how much the lender will be willing to give you if your application is approved.

This can be used to estimate how much you can realistically borrow if you remortgage your UK property.

You will have some time to decide what you’ll do, but remember that a mortgage, in principle, will only be valid for 60 to 90 days (this is lender-dependent).

Step 8: Arrange a Property Valuation

To remortgage your UK property, the lender will want to know what your property is worth.

Some lenders provide property valuation as a free service but it’s a commonly known fact that free valuations can take some time to arrange and process.

That said, you can pay for your own valuation. Arrange this with the lender to ensure your application isn’t held up.

This survey can only be used to determine the monetary value of the property. It’s not a building condition survey.

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Step 9: Process Your Mortgage Application

If you have a mortgage in principle, you can use it to back your application. If you don’t have one, you will have to undergo an affordability assessment.

Prepare to be asked questions about your occupation, income, credit history, spending habits, available deposit and various other financial questions.

If you have good credit, your chances of being granted a remortgage loan are higher.

Step 10: Get Your Mortgage Offer & Assess It

Mortgage lenders will assess applications on individual merit, and if approved, they will send your solicitor and you an official letter offering you a mortgage.

This letter has an expiry date, so don’t leave it too long (most last around 6 months).

All the mortgage conditions will be detailed in your mortgage offer letter.

So go over the offer with a fine-tooth comb, carefully checking all the terms and conditions and your particulars.

Step 11: Instruct Your Solicitor to Pay Off the Mortgage and Register the New Mortgage with Land Registry

Your solicitor will need to be instructed to go ahead, draw down the funds from the new lender and pay off the old mortgage deal.

Once the old mortgage is paid off and the new mortgage is in place, it must be registered at Land Registry.

Your solicitor must handle the registration of your details for you. In most instances, the UK property title deeds are transferred to your new lender.

How to Remortgage a House in the UK Conclusion

Remortgaging property in the UK doesn’t have to be a confusing process.

With the help of a broker, you can simplify the process and ensure that you get your hands on the best possible mortgage deal on the UK market.

Ready to remortgage?

Whether you want remortgage to find a lower interest rate, or raise money for home improvements, we may be able to help you find a better rate.

Call us today on 01925 906 210 or contact us to speak to one of our friendly advisors.

Remortgaging is the process of obtaining a new mortgage to pay off your current one, allowing you to switch lenders or secure a better deal.

Many individuals consider remortgaging when their current mortgage rate is ending, they find cheaper rates with other lenders, or they plan to borrow against their property.

It is important to approach remortgaging with caution to avoid over-indebtedness or higher fees.

Taking the time to carefully navigate the process and seek advice from industry professionals is crucial to making a sound financial decision.

By reviewing the following overview, you can learn more about how remortgaging works and determine if it’s the right choice for you.

Determining the Right Time and Choice to Remortgage Your UK Mortgage

If your current mortgage deal is nearing its end or transitioning to a different rate, it’s a good idea to explore the latest mortgage offers.

This doesn’t commit you to a new deal but allows you to assess your options and potentially find the best deal available.

Many people find that the value of their UK property has increased since they first obtained their mortgage, which may make remortgaging beneficial.

Remortgaging can be used not only to reduce monthly costs but also to fund home renovations, repairs, or debt consolidation.

It’s important to note that a remortgage comes at a cost, so calculating if you can afford the additional monthly expenses is essential.

Whether you’re aiming to reduce costs, consolidate debt, or address a major life change that affects your current mortgage, remortgaging may provide a timely solution.

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Preparing to Remortgage Your UK Property

Unfortunately, remortgaging is not a quick process and typically takes around 1 to 2 months to complete.

Most lenders recommend consulting with their advisors to make informed decisions. Before deciding whether to remortgage, there are several factors to consider:

Penalties and Charges for Remortgaging: If your mortgage deal hasn’t reached its end, the cost of remortgaging could be significant due to exit and early repayment charges.

Reasons for Remortgaging: Think through the reasons behind your desire to remortgage.

Whether it’s to lower monthly costs or gain more flexibility to finalize your mortgage sooner, it’s important to evaluate your needs thoroughly.

Credit Score: Lenders will conduct a credit check when you apply to remortgage your property.

A poor credit score may limit your options or result in higher interest rates. Ensure that your credit score is accurate and check it meticulously for any discrepancies.

Realistic Borrowing Capacity: Changes to your mortgage will impact your budget, and you can only remortgage your property if you can borrow enough to cover the existing loan amount.

Consider your current budget, how you’ve managed your existing mortgage, and borrow realistically to avoid over-indebtedness.

Utilise mortgage calculators or consult with a mortgage advisor for assistance in estimating costs and allowable borrowing limits.

Steps to Remortgaging Your UK Property

Understanding the remortgaging process beforehand can help ensure a smooth experience.

Here are the key steps involved:

Step 1: Determine Lenders’ Assistance

Obtaining an Agreement in Principle (AiP) is a useful way to assess your eligibility for remortgaging.

You can obtain an AiP online, which indicates whether a lender can assist you and provides an estimate of the approved borrowing amount.

Step 2: Compile a List of Costs

Ensure that you can afford the process by considering the associated costs, including the application fee (e.g., booking fee, product fee, or arrangement fee), solicitor’s fee (for managing the mortgage transfer), and valuation fee (for assessing the property’s value).

Step 3: Process the New Mortgage Application

Once you have an AiP, you can apply to remortgage your UK property.

Collect all the required supporting documents and submit them correctly. Seeking assistance from a solicitor or property advisor can be beneficial during this stage.

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Step 4: Finalise the Deal

Similar to purchasing a new house in the UK, finalizing the deal involves transferring the property from one mortgage to the next.

A solicitor or conveyancer is necessary to facilitate this process.

While many lenders offer this service at no charge, opting for it may prolong the timeline.

Related reading: 

• Reasons for remortgaging.
• Remortgaging to release equity.
• Remortgaging to buy another property.
• Remortgaging with bad credit.
• Remortgaging for home improvements.
• I own my house outright can I remortgage? 
• Capital raising mortgages.

What is a Remortgage & How Does it Work Conclusion

Remortgaging your UK property requires a careful evaluation of your financial situation and property management.

It’s crucial to determine whether remortgaging makes viable and sound financial sense.

Consulting with a professional property advisor is the best way to ensure you’re making an informed decision.

Ready to remortgage?

Whether you want remortgage to find a lower interest rate, or raise money for home improvements, we may be able to help you find a better rate.

Call us today on 01925 906 210 or contact us to speak to one of our friendly advisors.

Fixed-rate mortgages make a lot of sense, especially for Brits who like the security of having an exact amount set aside each month to cover mortgage costs.

With a fixed mortgage, you’re given a set price that you pay each month.

It doesn’t fluctuate, and over time, you stand to benefit because the interest rate is fixed for the loan term, which is usually 2 – 5 years or in some cases, longer.

Of course, when the term of the fixed rate ends, you’ll go onto the SVR (Standard Variable Rate), which is usually higher.

Reasons to Remortgage a Fixed Rate Early

Most people are content to have a fixed rate and will stay with it for the entire term. You may, however, decide to remortgage early.

This could be because you’ve found other mortgage products offering a better rate than your current one, leading to lower monthly outlay.

Or perhaps you have a buy-to-let property with increasing value and you feel that borrowing more will help you pay for your next investment.

At this point, you’re probably wondering why anyone would want to remortgage and end their fixed-rate deal early.

After all, it’s providing security and saving you money, right?

The reality is that it’s not always true.

You may want to remortgage your fixed-rate UK mortgage early because:

• You’ve stumbled across a better deal and rates offered by another lender.
• Your buy-to-let property has increased in value, and if you remortgage, you could get the funds needed for your next investment.

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What Happens When You Remortgage a Fixed Rate Mortgage in the UK?

Many property owners don’t know if it’s possible or where to start.

And then the questions start reeling in your mind!

Is remortgaging a fixed rate mortgage wise?

Can you leave a fixed-rate mortgage early, and what are the consequences if you do?

What is the process involved when remortgaging a fixed-rate UK mortgage?

We’re here to answer these very questions about remortgaging a fixed rate mortgage early!

The Basics of Remortgaging Fixed Rate Mortgages Early

First, you need to know that remortgaging a fixed-rate mortgage early is entirely legal and viable.

You can leave your fixed-rate deal earlier than intended and start a new deal with an entirely new lender.

But should you?

There’s a harsh reality when remortgaging fixed-rate mortgages early; early repayment charges or exit fees.

Note that 2-year fixed deals incur lower costs than 5-year fixed deals.

Here’s what you need to understand about remortgaging 2-year and 5-year UK mortgages:

2-Year Fixed Rate Mortgages UK

When remortgaging a 2-year fixed-rate mortgage in the UK, you can expect to face an early repayment charge and exit fee.

The early repayment charge is usually calculated as a percentage of your time on your fixed-rate contract.

Therefore, if you only have a short time left on your contract, the charges/penalties will be lower than if you have a long time left.

5-Year Fixed Rate Mortgages UK

In most instances, 5-year fixed-rate mortgages in the UK incur an early repayment charge depending on how many years are left in the mortgage contract.

It usually looks like this but can vary from one lender to the next:

• Year 1: 5%
• Year 2: 4%
• Year 3: 3%
• Year 4: 2%
• Year 5: 1%

For example, if you borrow £200,000 and 6 months into the contract you wish to remortgage, you’ll pay an early payment charge or 5%, which comes to £10,000.

Important to note is that while you can remortgage a fixed-rate deal early, it’s not commonly done due to the costs and because fixed rates don’t run over long terms.

Related reading: 

• Reasons for remortgaging.
• Remortgaging to release equity.
• Remortgaging to buy another property.
• Remortgaging with bad credit.
• Remortgaging for home improvements.
• I own my house outright can I remortgage? 
• Capital raising mortgages.

The Cost of Remortgaging Early

The above are only some of you need to know about the fees and costs involved in remortgaging a fixed-rate mortgage in the UK early.

Certain fees that may apply to your deal are worth knowing about.

These are:

Valuation Fees

While some lenders offer valuations for free, in some instances, lenders will charge a valuation fee to determine the property’s true value.

So if your lender doesn’t offer it as a free service, it could cost you up to £1250.

Arrangement Costs

Some mortgage deals have an arrangement or establishment fee, a product fee.

In most instances, you can have the cost included in your total mortgage to pay it off monthly along with your mortgage costs.

Some lenders do allow you to pay this amount upfront.

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Early Repayment Charge (ERC)

This is a fee for ending the fixed-rate mortgage deal early and applies to remortgages in the initial period.

This is a percentage of the time left on the contract.

Exit Fees

Some lenders (not all) charge an exit fee for breaking the contract.

This is sometimes a flat rate or a percentage.

Broker Fees

Some brokers offer free services to home buyers while others don’t.

Always check if there will be a broker fee before you start applying for actioning your remortgage deal in the UK.

Steps to Remortgaging Your Fixed Rate Mortgage Deal UK

Step 1: Use comparison sites to find deals that suit your requirements.

Step 2: Contact remortgaging lenders and make enquiries about their rates.

Step 3: Contact your current lender and check if they will provide you with a better deal and what their penalties and charges are on early exits.

Step 4: Decide if remortgaging is right for your budget, and if it is, get in touch with a professional mortgage advisor to ensure that the process is efficiently and professionally managed.

Remortgaging with Your Existing Lender vs. a New Lender

If you want to remortgage your property to get a better rate and save money, you may wonder if it’s best to see what your existing lender has to offer or if you should look for a new lender.

In most instances, remortgaging with your existing lender is easier as there are fewer legal hoops to jump through, and the associated costs will be lower too.

The lender will also have all your details on file, making it quicker and easier to transition to your new deal.

That said, they will still carry out an affordability check which could influence the outcome of your application.

When remortgaging with a new lender, you may get better rates than your current lender, especially if you qualify for lower rates or the new lender is competitive.

But, essentially, you will start the entire process from scratch.

In such scenarios, it’s a good option to communicate with a professional mortgage advisor to help you secure a good deal and to ensure you’re not scuppered into a deal that takes advantage of you or isn’t best for your financial situation.

Remortgaging Early on a Fixed Rate Conclusion

Remortgaging fixed rate mortgage early is entirely possible but may not always be in your best interests. That said, it could get you a better rate.

It’s best to consult a mortgage advisor who can provide you with all the information required to make an educated decision.

Ready to remortgage?

Whether you want remortgage to find a lower interest rate, or raise money for home improvements, we may be able to help you find a better rate.

Call us today on 01925 906 210 or contact us to speak to one of our friendly advisors.