Your borrowing,Reviewed.
When a fixed rate ends, or when you need to release capital from your property, the right answer is not always to stay with your current lender. We review your existing arrangements against the whole market and tell you plainly whether moving, staying or restructuring serves you best.
How we help
We look at the cost of each option over the period that matters to you, including fees and any early repayment charges, rather than the headline rate alone.
We start work several months before your current rate ends, so that a new one can be secured in good time.
Borrowing more for home improvements, a further purchase or other plans, by remortgage or further advance as appropriate.
Where your existing lender offers the best outcome we say so and can arrange the switch for you.
Changing the term, the repayment method or the borrowers named on the mortgage as your circumstances change.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
A homeowner whose five-year fixed rate ends in six months and who expects payments to rise.
We compare a new rate from the current lender with the wider market and secure a rate ahead of the end date where possible.A family wishing to borrow more to extend their home rather than move.
We compare a remortgage with a further advance, taking any early repayment charges into account.An owner releasing equity from their home to fund the deposit on an investment property.
We arrange the capital raise and the new purchase together so that the two timetables align.Frequently
asked questions
When should I start looking?
Around six months before your current rate ends. Many lenders allow a new rate to be reserved several months in advance.
Is it better to stay with my current lender?
Sometimes. A product transfer can be quicker and cheaper, but another lender may offer a better rate or more flexibility. We compare both.
Will I pay early repayment charges?
Only if you leave or change your deal before the end of its initial period and it depends on your mortgage terms. We check this before recommending anything.
How much additional borrowing can I raise?
It depends on the value of the property, your income and the purpose of the borrowing. Lenders set loan-to-value limits for capital raising.
Speak with us today
Tell us when your current rate ends and what you would like to achieve. The first conversation is without obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. Lending is subject to status, lender criteria and individual circumstances.