Remortgage & product switch advice
The short answer
Compare deals when a fixed rate ends
- Price from
- On quote
- Time on site
- 1 to 2 hours
What you get
Expert advice on remortgaging and product switching options, ensuring you find the best new mortgage deal tailored to your financial goals and current circumstances.
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When do you need a Remortgage & product switch advice?
You need this advice when your current mortgage deal is approaching its end, usually 3-6 months before, to avoid moving onto your lender's standard variable rate (SVR). It's also suitable if you want to release equity, consolidate debt, or change your mortgage terms.
What happens on the day
A mortgage advisor will review your current mortgage, discuss your financial situation, and understand your future plans. They will compare remortgage options from various lenders and product switches from your existing lender, explaining costs and benefits.
How to prepare
- Gather details of your current mortgage, including outstanding balance and end date of your current deal.
- Have an estimate of your property's current value.
- Prepare details of your income, outgoings, and any new debts.
- Think about your future financial goals, e.g., releasing equity or reducing payments.
- Bring photo ID and proof of address.
How to improve your result
- Start looking for a new deal 3-6 months before your current one ends.
- Improve your credit score to access a wider range of competitive rates.
- Have your financial documents organised and up to date.
- Reduce any outstanding personal debts to improve affordability.
Why it is useful day to day
Potentially saves you hundreds or thousands of pounds annually by securing a more favourable interest rate or terms on your mortgage.
Why we ask these questions
We ask about your current mortgage, property value, income, and any changes in your financial situation to identify the most suitable and affordable new mortgage deal for you. This helps us ensure you meet lender criteria and find the best rates.
Frequently asked questions
Often needed alongside
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