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Remortgages

Is Your Mortgage Deal Coming to an End?

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Mortgage Advice

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If your fixed-rate mortgage is ending, now is the ideal time to review your options. Whether you’re looking to secure a better interest rate, reduce your monthly payments, release equity or simply switch to a more suitable mortgage, we’re here to help.

At Mortgage Links, we compare mortgages from across the market as well as reviewing the options available from your existing lender, helping you make an informed decision based on your circumstances.

We’ll guide you through the entire remortgage process, making it as straightforward and stress-free as possible.

Book your free consultation today.

We have access to 90+ Lenders

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Why Remortgage?

There are many reasons why homeowners choose to remortgage.

We can help you:

  • Secure a new fixed rate before your current deal ends.
  • Potentially reduce your monthly mortgage payments.
  • Switch to a lender offering more suitable features.
  • Release equity from your home.
  • Borrow additional funds for home improvements.
  • Consolidate borrowing where appropriate.
  • Remove or add someone to the mortgage.
  • Change your mortgage term.
  • Move from interest-only to repayment (or vice versa where appropriate).
  • Review product transfer options with your existing lender.

 

Whatever your reason, we’ll explain your options clearly so you can decide what’s right for you.

Mortgage Links Team Sheffield
Established

2022

What Can We Help With?

Here to help you through every stage of your mortgage journey

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Fixed Rate Ending Soon

If your mortgage deal is coming to an end, we'll compare options from your existing lender and the wider market to help you secure your next mortgage.

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Product Transfers

Sometimes staying with your current lender can be the most cost-effective solution. We'll compare your lender's product transfer options alongside remortgage deals available elsewhere.

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Switching to a New Lender

If another lender offers a more suitable mortgage, we'll manage the application from start to finish.

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Releasing Equity

If you've built up equity in your property, you may be able to borrow additional funds for home improvements, purchasing another property or other acceptable purposes.

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Home Improvement Mortgages

Planning an extension, new kitchen or major renovation? We'll explain the borrowing options available and help you understand the costs involved.

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How it Works

The Remortgage Process

Step 1
Book Your Consultation

We'll review your current mortgage, circumstances and future plans.

Step 2
Compare Your Options

We'll assess both your existing lender's product transfer options and mortgages available from other lenders.

Step 3
Submit Your Application

If switching lenders, we'll prepare and submit your mortgage application.

Step 4
Valuation & Underwriting

The lender may arrange a valuation of your property before issuing a mortgage offer.

Step 5
Legal Work

Most remortgages include free legal services or cashback towards legal costs, depending on the lender and product selected.

Step 6
Completion

Your new mortgage replaces your existing one and your new monthly payments begin.

How can we offer all of this for free?

Like all mortgage brokers, we’re paid by lenders when your mortgage completes.  The difference between us and other mortgage brokers is that we simply choose not to charge our customers a fee on top of this.

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Ready to Review Your Mortgage?

Whether your fixed rate is ending soon or you’re simply wondering whether you could save money, we’re here to help.

Book your free, no-obligation consultation today and let’s review your remortgage options.

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Remortgage FAQs

Common Questions From Remortgage Clients

When should I start looking for a remortgage?

Many lenders allow you to secure a new mortgage up to six months before your current deal ends. Starting early provides more time to compare options and may allow you to secure a competitive rate before any market changes.

What is a product transfer?

A product transfer is where you switch to a new mortgage product with your current lender without moving to another lender. In some cases this can be quicker and involve less paperwork than changing lenders.

Will I need a new property valuation?

Sometimes. Some lenders use an automated valuation, while others arrange a physical inspection depending on the property and application.

Can I release equity from my home?

Potentially. If your property's value has increased or you've reduced your mortgage balance, you may be able to borrow additional funds. The amount available will depend on your income, affordability, property value and lender criteria.

How long does a remortgage take?

Most remortgages complete within four to eight weeks, although this varies depending on the lender, legal work and individual circumstances. Starting early helps avoid unnecessary pressure as your current deal approaches its end date.

Can I remortgage with bad credit?

It may still be possible. Your options will depend on the nature of the credit issue, when it occurred and your current financial position. We'll discuss your circumstances and explain the lenders that may be available.

What happens if I do nothing?

If no new mortgage is arranged, your lender will usually move you onto their Standard Variable Rate (SVR) once your current deal ends. This rate is often higher than fixed-rate products, which may significantly increase your monthly payments.

Is remortgaging worth it?

Every case is different. We'll compare the total cost of staying with your current lender against switching elsewhere, taking into account interest rates, fees, incentives and any early repayment charges. Our aim is to recommend the option that best suits your circumstances.

Should I stay with my current lender?

Not always. Your existing lender may offer competitive product transfer rates, but another lender could provide a more suitable mortgage depending on your circumstances. We'll compare both options before making a recommendation.

Will I need a solicitor to remortgage?

If you're moving to a new lender, legal work is usually required. Many lenders offer free legal services or cashback towards your legal fees.

Can I remortgage before my fixed rate ends?

Yes. Many lenders allow you to secure a new mortgage before your current deal expires. However, switching too early may trigger an early repayment charge, so we'll explain whether it makes financial sense.

Can I borrow more when I remortgage?

Yes, subject to affordability and lender requirements. People commonly borrow extra funds for: Home improvements, Extensions, Debt consolidation (where appropriate), Buying another property, Family financial support and Other acceptable purposes.

Will remortgaging affect my credit score?

Applying for a mortgage usually involves a credit search. Provided applications are managed correctly, remortgaging should not have a significant long-term impact on your credit profile.

Can I remortgage if my circumstances have changed?

Yes. Changes in employment, income, self-employment, maternity leave or retirement do not automatically prevent you from remortgaging. We'll recommend lenders whose criteria may be suitable for your circumstances.

Do I have to pay mortgage fees again?

Some mortgages include arrangement fees, while others do not. Where fees apply, we'll compare whether paying the fee or adding it to the mortgage represents better value overall.

Why Choose Mortgage Links?

We'll compare mortgages from a wide range of lenders while also reviewing your existing lender's options. Our advice is tailored to your circumstances, and we'll manage the entire process from your initial enquiry through to completion. We'll also explain every recommendation in plain English, ensuring you understand exactly why we've suggested a particular mortgage.