When your current mortgage deal is coming to an end, it makes sense to assess your options, not only with your current lender but also with the rest of the mortgage market.
Rettie Financial Services will work with you to find the right deal for your current and future needs, whether you are remortgaging for a more competitive rate or releasing equity to build an extension. We'll even complete all the relevant paperwork for you to ensure your remortgage goes as smoothly as possible.
At Rettie Financial Services, we have access to more than 12,000 mortgages from over 90 lenders and will work with you to find the right deal for your current and future needs, whether you’re remortgaging for a more competitive rate or releasing equity to build an extension. We'll even complete all the relevant paperwork for you to ensure your re-mortgage goes as smoothly as possible.
You may have to pay an early repayment charge to your existing lender if you remortage.
Book your free initial financial services consultation today with one of our Mortgage & Protection Advisors.
When you remortgage, you can also sign up for our free 24/7 mortgage monitoring service, which will continuously compare your mortgage against 1,000s of other deals across the market. If we find a deal that we think will work better for you, we'll let you know and offer you the opportunity to update your arrangement.
We understand that everybody’s property journey is unique. That’s why we’re with you every step of the way. Whatever your mortgage, insurance or other financial needs, and however complex your challenges, Rettie Financial Services have the expertise and experience to provide a tailored service that will deliver for you.
We excel in speed, expertise and customer satisfaction. Our commitment to you extends beyond transactions, providing both financial and emotional support every step of your journey.
We bring a personal touch to every interaction, taking time to understand and address your unique financial requirements. No matter how complex and intricate your needs, we have the knowledge and experience to identify and deliver an innovative personal solution that’s right for you.
Our highly experienced Mortgage & Protection Advisors have a proud track record in delivering a supportive, quick and hassle-free service, as shown by our constant stream of 5 star reviews from satisfied clients.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
Remortgaging is the process of moving the mortgage on your current property to a new deal. This can either be with the same lender or a different one.
There are a number of reasons as to why it may be time to remortgage, including but not limited to:
If your discounted term is coming to an end, it's recommended that you start the remortgaging process six months beforehand. You can remortgage at any time, but bear in mind that you may need to pay an early repayment fee to do so.
Our team of mortgage advisers can support you throughout the entire remortgaging process from start to finish. With access to thousands of deals - many of which aren't available on the high street - they'll be able to source a product that suits your individual circumstances.
Depending on your circumstances, there are a number of costs you'll need to take into account when remortgaging:
If you've changed roles or increased your earnings in full-time employment, you'll need to provide your current employer's details on your mortgage application.
However, if you've moved to part-time work or your wages have decreased in a new role, the amount you can borrow will be impacted. There are also different rules for those who are self-employed or on maternity leave when remortgaging.
Talk to your mortgage adviser about any changes in circumstances, so they can assess your finances and offer guidance on the options available to you.
On average, the remortgaging process takes between four to eight weeks. However, just as everyone's financial circumstances are different, there is no set time that it will take to remortgage, so this timeframe isn't guaranteed.
This depends on whether you remortgage with your current lender or a new one. Remortgaging with your existing lender is known as a product transfer, so no additional legal work is needed.
Meanwhile, remortgaging with a new lender will require a conveyancer. Certain mortgage products will cover the cost of the legal fees as part of the deal, so check with your adviser if this applies to you.
Rettie Financial Services Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Rettie Financial Services Ltd. Registered Office Address: Deuchrie, Dunbar, East Lothian, United Kingdom, EH42 1TG. Registered in Scotland Number: SC711925.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
For insurance business we offer products from a choice of insurers.
Your home may be repossessed if you do not keep up repayments on your mortgage.