Your mortgage is one of your biggest financial commitments, so it’s important to ensure you’re always on the best possible deal. Whether your fixed-rate term is ending, you want to reduce your monthly payments, or you’re looking to release equity from your home, remortgaging can be a smart financial move.
At Empire Mortgages, we make the remortgage process smooth and stress-free. With access to the whole mortgage market, our expert advisers compare a wide range of lenders to find the most competitive rates tailored to your needs. We take care of all the details—helping you avoid unnecessary fees, navigate lender requirements, and ensure you get the best possible mortgage for your circumstances. If you’re considering a remortgage, let’s explore your options together and find the right deal for you.
There are several reasons why remortgaging could be beneficial for you:
Get a Better Interest Rate – If your current mortgage deal is coming to an end, switching to a lower rate can reduce your monthly payments, saving you thousands over the term of your mortgage.
Avoid Moving to a Standard Variable Rate (SVR) – When your fixed or introductory rate ends, you may be switched to your lender’s SVR, which is often higher and more expensive. We’ll ensure you stay on a competitive rate.
Release Equity from Your Home – If your property has increased in value, you may be able to unlock cash for home improvements, a deposit for another property, or personal investments.
Consolidate Debt – A remortgage can allow you to combine multiple debts into one manageable monthly repayment, potentially at a lower interest rate.
Change Your Mortgage Term – You might want to reduce your mortgage term to pay it off faster or extend it to lower your monthly payments.
Switch to a More Flexible Deal – Whether you need a mortgage with lower early repayment charges or the ability to make overpayments, we’ll help you find the right solution.
While remortgaging can save you money, it’s important to consider potential costs:
Early Repayment Charges – If you’re leaving a fixed-term deal early, your current lender may charge an exit fee. We’ll help you assess whether remortgaging is still financially beneficial.
Arrangement Fees – Some lenders charge a fee for setting up a new mortgage. We’ll compare deals with and without fees to ensure you’re getting the best value. Valuation & Legal Fees – Many lenders offer free valuations and legal services, but if not, we’ll provide a full cost breakdown upfront.
Credit & Affordability Checks – Lenders will assess your income, credit score, and outgoings to ensure you can afford the new mortgage payments.
Our advisers will go through all costs and considerations with you to ensure remortgaging is the right decision for your circumstances.
At Empire Mortgages, we make remortgaging straightforward and hassle-free. Our expert advisers guide you every step of the way.
Step 1: Free Consultation
We start with a no-obligation chat to understand your financial situation and mortgage goals. We’ll review your current mortgage, discuss your options, and help you decide whether remortgaging is the best choice.
Step 2: Search for the Best Deal
We have access to the whole market, meaning we compare deals from a wide range of lenders to ensure you get the best possible rate. If staying with your current lender (a product transfer) is the best option, we’ll advise on that too.
Step 3: Application & Approval
Once you decide on the best mortgage deal, we handle the full application process, working with lenders, solicitors, and valuers to ensure a smooth and stress-free transition. We keep you updated at every stage.
Remortgaging could save you money, provide financial flexibility, and help you achieve your long-term goals. At Empire Mortgages, we’re committed to making the process simple and stress-free. Whether you’re looking for a better rate, releasing equity, or consolidating debt, our expert team is ready to help. Book a Free Consultation Today and let’s discuss your remortgage options.
We recommend reviewing your mortgage 3-6 months before your current deal ends to avoid being moved onto your lender’s Standard Variable Rate.
If your home has increased in value, you may be eligible for better mortgage rates. If it has decreased, you may have fewer options, but we’ll guide you through the best course of action.
Typically, a remortgage takes 4-8 weeks from application to completion, depending on lender processing times and legal work.
It depends! Some lenders offer competitive product transfers, while others may have better deals. We compare both options to ensure you’re making the best financial choice.
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Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.
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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
Registered in Scotland under reference SC545434
Registered office address: Office 25a, Flexspace, Pitreavie Business Park, Dunfermline, KY11 8UU
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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