When your current mortgage deal is coming to an end, it makes sense to assess your options, both with your current lender and 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 re-mortgaging 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.

Our Areas of Expertise

Our Products

With Rettie Financial Services you will have access to over 90 lenders and more than 12,000 mortgages. We'll work with you to find the product and deal that is right for you and your requirements.

Our Advisors

We pride ourselves in providing a quality service. Our team of Mortgage and Protection Advisors are all fully certified, and here to help you on the next step of your journey.

Service Levels

We will keep you informed at every point of your mortgage journey to ensure you have what you need to be able to make decisions. We will liaise with your chosen mortgage lender and solicitor to make the process as smooth as possible.

Mortgage Calculator
Monthly payments
Please set an interest rate.

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.

Tax Calculator
Land & buildings transaction tax
= £0

Frequently Asked Questions

  • What is remortgaging?Chevron-down

    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.

  • Why should I remortgage?Chevron-down

    There are a number of reasons as to why it may be time to remortgage, including but not limited to:

    • Your current fixed rate deal is ending
    • You're assessing your finances and believe remortgaging could save you money
    • You're on a standard variable rate and want to switch to a fixed-rate mortgage
    • You're planning on releasing equity from your property to pay for home improvements
  • When should I remortgage?Chevron-down

    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.

  • How do I remortgage?Chevron-down

    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.

  • What costs are involved in remortgaging?Chevron-down

    Depending on your circumstances, there are a number of costs you'll need to take into account when remortgaging:

    • Early repayment fee (depending on when you choose to remortgage)
    • Possible product fee to a new lender
    • Conveyancing and valuation fees
    • Potential mortgage adviser fee
  • What happens if I've changed jobs since I last took out a mortgage?Chevron-down

    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.

  • How long does it take to remortgage?Chevron-down

    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.

  • Do I need a conveyancing solicitor to remortgage?Chevron-down

    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.