Remortgaging
At Strategy Mortgage Solutions our experienced mortgage advisers are here to guide you through switching your mortgage, helping you make the best decision for your home and finances.
Helping you to remortgage your current home
When you're thinking about remortgaging, it's important to look at all your options. Strategy Mortgage Solutions provides remortgage advice across the UK, helping you compare what your current lender offers versus new deals from over 120 lenders. Whether you're looking to reduce monthly payments, secure a fixed rate, or unlock additional funds, our experts will support you every step of the way, ensuring you get the most suitable mortgage for your circumstances.
Variable Rate Mortgages
Explore how a variable rate mortgage might suit your needs and your risk preferences.
Fixed Rate Mortgages
Find security and peace of mind with fixed rate mortgages for your remortgage. Visit our Fixed Rate Mortgage advice page for more details.
Further Advance &Additional Borrowing
Looking for more borrowing options? Discover how further advance mortgages and additional borrowing could help you unlock extra funds.
Wondering “when should I remortgage” or if you could refinance your home?
Our advisers can talk you through your options. Call us now or fill in our online form to arrange a consultation.
Why do people remortgage?
Remortgaging simply means switching your current mortgage to a new deal, with either your existing lender or a new one. There are many reasons to consider remortgaging, especially if your needs or circumstances change. Some of the most common reasons include:
- To get a better mortgage deal
- To fix your monthly payments
- To borrow more money
- To pay off your mortgage sooner
- To enjoy more flexible features (overpayments, payment holidays, portability)
- Because your financial circumstances have changed
When is the right time to remortgage?
You don't have to wait until your current deal ends to start exploring your remortgage options. In fact, you can often secure a new deal up to six months early, giving you plenty of time to compare offers and switch before moving to the lender's Standard Variable Rate. Remember to watch out for early repayment charges if you're mid-way through a fixed period. With Strategy Mortgage Solutions, you'll always have expert guidance in Hertfordshire and Cambridgeshire to help you time your move perfectly.
The cost of remortgaging
Remortgaging can save you money or unlock valuable features, but there can be some costs to consider. It's essential to understand these before deciding whether to proceed. Potential costs include:
- Early repayment charges
- Exit or admin fees
- Valuation fees
- Legal fees
- Arrangement or product fees
Is remortgaging right for you?
Remortgaging isn't right for everyone. As your dedicated remortgage adviser Hertfordshire, Strategy Mortgage Solutions provides clear, honest advice, taking your goals and current situation into account. We'll help you work out if switching is sensible, or if your current mortgage is already the best deal.
Risk Warning
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Debt Consolidation
Think carefully about securing other debts against your home.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
FAQ's
Want to Know More About REmortgaging?
What is remortgaging and how can it benefit me?
Remortgaging means switching your existing mortgage to a new deal, often to save money, secure better rates, borrow more, or adjust to changes in your financial situation. Our remortgage advice in Hertfordshire and Cambridgeshire helps you find the best option.
When should I start looking to remortgage my home?
You can review remortgage deals up to six months before your current deal ends. This allows time to compare offers and switch smoothly, avoiding a jump to the lender’s standard variable rate.
Can I remortgage with the same lender or should I switch?
Yes, you can remortgage with your current lender or a new one. Strategy Mortgage Solutions searches over 120 lenders to ensure you get the right remortgage deal in Hertfordshire or Cambridgeshire.
What costs should I expect when remortgaging?
Typical remortgaging costs could include early repayment charges (if applicable), exit or admin fees, valuation fees, legal fees, and arrangement fees.
Can I borrow more or release equity through remortgaging?
Yes, many remortgage options allow you to borrow more or release equity for home improvements, debt consolidation, or other needs. Our advisers help you explore the right approach for your situation.
How long does the remortgaging process take?
The remortgaging process typically takes four to eight weeks from initial consultation to completion, depending on your circumstances and the lender chosen. We’ll guide you at every step.
Book Your Consultation Today
Book Your Consultation Today
Ready for expert remortgage advice or keen to find the right remortgage broker? Contact Strategy Mortgage Solutions via email at enquiries@strategyms.co.uk, or call us on 0808 296 0202. We're here for you in Cambridgeshire and Hertfordshire, helping you switch mortgage or refinance your home with confidence.
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EMAIL
enquiries@strategyms.co.uk
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SERVICES
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The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK. Strategy Mortgage Solutions Ltd is an appointed representative of The Right Mortgage Limited, which are authorised and regulated by the Financial Conduct Authority.
Strategy Mortgage Solutions Ltd is regulated with the Financial Conduct Authority: 1058135.
Registered in England and Wales No: 17151180.
Registered address: 54 Sun Street, Waltham Abbey, EN9 1EJ
A fee may be charged for mortgage advice. The exact amount will depend on your circumstance.