Business owners are often too busy running the company to review their own mortgage. We track your renewal date and shop the market before the deal runs out.
We review the market ahead of your current deal ending, so you're never sitting on a lender's expensive default rate.
We compare what your existing lender will offer to fix again against the wider market, and recommend whichever actually works out better for you.
Home improvements, debt consolidation, or raising a deposit for a buy-to-let, structured against your income the right way.
Your income may look different than it did at your last mortgage, and we make sure that's reflected properly this time.
The example below is illustrative only, built to show how the numbers can work rather than describing a real client.
Some lenders will let you fix again with them directly, known as a rate switch or product transfer, rather than remortgaging elsewhere. Once we have your account details, we set reminders in our system ahead of that window opening. When it does, we compare what your existing lender is offering against the wider market, then work out and recommend whether you're better off staying put or switching to another lender. We also keep an eye on rates in between, so if they drop before your renewal date, we can act on it rather than let the opportunity pass.
Illustrative example only, based on a typical scenario. Figures are not a quote and individual circumstances vary.
Whether you're releasing equity for a renovation, consolidating existing debts, or raising a deposit to buy a rental property, a remortgage can often do it more cheaply than other forms of borrowing. What matters most is how your income is assessed, and the same approach we use for purchases applies here too: using your salary and dividends properly, a stronger latest year's accounts where profits have jumped, or retained profit in the business where a lender allows it. See how we assess director income on our purchase mortgages page for more on that.
Illustrative example only, based on a typical scenario. Figures are not a quote and individual circumstances vary.
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