Remortgaging
Whether your deal is ending or you want to review your options, we find what works for you.
Ready to Remortgage?
Most people look at remortgaging when their fixed or tracker rate comes to an end and they move onto their lender’s standard variable rate, which is usually higher.
But it is not just about timing. You might also be looking to release equity for home improvements, consolidate borrowing, or review your mortgage as your circumstances change.
We look at your current position and the whole market, then talk you through whether switching makes financial sense and what it would involve, so you can make a clear decision without second-guessing it.
When to start
We recommend starting the conversation around three to six months before your current deal ends.
Many lenders allow you to secure a new rate in advance, which can give you certainty if rates move before your switch date. It also helps avoid drifting onto a higher variable rate for longer than necessary.
We keep track of when your deal is due to end and will get in touch ahead of time, so you do not have to keep an eye on it yourself.
Porting your mortgage
If you are moving home during your current deal, it may be possible to port your existing mortgage to a new property rather than paying early repayment charges to exit it.
We check this as a first step for any client who is moving and still within a fixed or discounted period, so you understand your options from the outset.
Is remortgaging always the right move?
Not always. If your remaining mortgage is relatively small, the fees involved in switching can outweigh any savings on the rate. This can include valuation, legal and arrangement costs.
We will also check what your current lender can offer before recommending a move, so you have a clear view of all your options.
Our focus is on getting the right outcome for you, not just making a change for the sake of it.
What we do
We manage the process from start to finish, keeping everything straightforward and joined up. That includes reviewing your current deal, comparing options across the market, securing a new rate where appropriate, and coordinating the legal side of the switch.
You have a clear point of contact throughout, and we keep things moving so nothing is left hanging.
Let's start your remortgage
Tell us a little about your situation and one of our mortgage advisers will be in touch with the most suitable options for you.
Get your remortgage options
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One of our mortgage advisers will be in touch within 24 hours to discuss your options.
People before property
See for yourself by checking out our reviews on Google and Trustpilot.
“We had an amazing experience with Michelle as our mortgage advisor. She was incredibly helpful, friendly and professional throughout the whole process. She always replied very quickly, even outside normal working hours, and was always happy to answer any questions we had. Thanks to Michelle, the whole mortgage process was quick, easy and completely stress-free. We really appreciate all her help and support and would highly recommend her to anyone looking for a mortgage advisor. Thank you so much, Michelle! ❤️”
“Very helpful, supportive and efficient team – our experience with them has been great so far, highly recommend!”
“Very simple process to renew a mortgage – Michell did identify some new providers; however, in the end, staying with the current provider proved most appropriate and even updated arrangement with cheaper interest rates in the immediate days preceding the expiry date – all very simple and straightforward – would recommend”
“My partner and I were first time buyers and the thorough and timely support of Michelle and her team made the process of securing our mortgage quick and stress-free.”
“Really good communication and speed of response. This was our first time buying so Michelle really helped us through the process.”
Credit Checker
Knowing where you stand financially before you start your property search makes the whole process simpler. Our free credit checker gives you an instant picture of your credit score and history, so there are no surprises when it comes to your mortgage application. It takes minutes, it will not affect your credit rating, and it puts you in a much stronger position before we speak to lenders on your behalf.
Get your free credit score
When applying for a mortgage, it’s so important to have a good credit score. Once you’ve obtained this, you have a much higher chance of being approved for credit.
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Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage. IMS Property Group is authorised and regulated by the Financial Conduct Authority.