Are you looking to Remortgage?
In today’s challenging market, expert guidance and advice are paramount. With our dedicated team of seasoned advisers, we will skilfully navigate your options, ensuring you secure the most suitable rate and tailored solution for your needs.
5-Star-Rated Customer Experience
Whole-of-Market Access
Rate Reviews that utilise AI-Based Technology
Tailored Guidance & Advice
Please note: a mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender if you remortgage. We also advise you to think carefully before securing other debts against your home.
Navigating the remortgaging market
When your existing mortgage is drawing to a close, you’ll naturally be looking to secure the next best deal. Utilising an adviser to conduct a full review of the mortgage market for you will ensure you are getting the most competitive rate available and the most suitable product for what you require.
There are also other reasons to consider remortgaging:
- To restructure your debt (you can change the repayment method or amend the term)
- To raise funds for debt consolidation
- To raise funds for home improvements
- To raise funds for the purchase of another property
Our team of expert advisers is here to help.
What if I am still on a fixed rate with my current lender, but require additional funds?
We can seek a solution that allows you to remain on your current fixed rate, without paying an Early Repayment Charge (ERC). We can do this by either opting for a Further Advance with your current lender, or by taking a Second Charge. Both options would enable you to borrow additional funds.
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Is there a difference between Remortgaging and Product Switching?
The only difference is the lender.
With a remortgage, you take out a new mortgage with a new lender. Moving from one lender to another would require you to engage a solicitor to carry out the conveyancing process, but there are different options available for the legal side of the process.
With a product switch, you come to the end of your current mortgage, but remain with your existing lender. All you are doing here is switching the product that you are on. No conveyancing is required with a product switch.
At Henry Dannell, we can support you in finding the most suitable solution. We review the whole of the market to advise whether a remortgage or a product transfer would be the best option for you.
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Please note: a mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender if you remortgage. We also advise to think carefully before securing other debts against your home.
Our Case Studies
How we’ve changed lives
Large Portfolio Remortgage
Using our knowledge of the portfolio market, we were able to source a product/lending solution that was fitting to our client's requirements, whilst also obtaining a highly competitive high street rate that was secured prior to the end of their existing mortgage.
Renovation Purchase | Without Functioning Utilities
The lender was able to offer 100% of the funds required to complete the works.
Residential Remortgage | Competitive Rate
We were able to save our client circa £1,675 per month on his mortgage. When spread across a 10-year fixed term, this was a considerable saving for our client of over £200,000.
Limited Company with Foreign Income | Second Home Purchase
In sourcing a lender that understood our client's income, we were able to arrange a solution that offered the client competitive terms on both of his properties.
What our clients say…
‘….knowledgeable and professional, always eager to please their clients’ needs and help understand the process from start to finish.'
Barrister