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Remortgaging your house

Remortgaging could give you the flexibility to change your mortgage as your lifestyle changes. 

In a turbulent mortgage market it makes sense to get expert advice - mistakes can prove very expensive in the long term. Our expert advisers can help you find the right remortgage for you. 

What is a remortgage?

Remortgaging is the process of replacing your current mortgage with another from a different lender without moving house. 

Reasons to remortgage:

  • In uncertain times many borrowers want the security of knowing exactly how much their mortgage payments are each month - remortgaging to a fixed rate mortgage could help.
  • A remortgage can be used to raise extra money to fund home improvements or to consolidate other loans or debts.
  • Potential savings could be made by remortgaging to a product with a lower interest rate than your current mortgage.
  • Your mortgage is likely to be a significant part of your household expenditure - it makes sense to review this regularly.

Getting remortgage advice

Deciding whether it would be beneficial to you to remortgage is all about the timing and your personal circumstances. You will need to consider whether the benefits of switching mortgage deals will outweigh the costs.

To demonstate the effect on your monthly mortgage repayments of moving to a different mortgage rate use the Remortgage calculator. If you're wanting to get an indication of your home's current market value to help with estimating your loan to value, use the Remortgage valuation tool.

You may already have a good mortgage deal and this is not the time to change it, but this might not always be the case. Embrace Financial Services has a Remortgage Club where we regularly contact you about new deals and will remind you before the anniversary date of your mortgage deal that it might be a good time to review what other mortgages are on offer.

Our team of Financial Advisers know the ins and outs of the mortgage market and can explain everything in a way that is both comprehensive and straightforward - contact us today to book an appointment.


Remortgage valuation

Want to find out what your remortgage valuation might be?

Book an appointment

Get in touch with your local Financial Adviser.

Your initial mortgage appointment is without obligation. We normally charge a fee for our services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but our standard fee is £549. Complex cases usually attract a higher fee. We will discuss and agree the fee with you prior to submitting any mortgage application.