When your current mortgage deal is coming to an end, it makes sense to assess your remortgaging and other finanical options, not only with your current lender but also with the rest of the mortgage market.

Rettie Financial Services will work 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 across the mortgage industry 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.

  • "We used Rettie Financial Services to support us in renewing our mortgages. Bob was very thorough and helped us through every stage of the process, ensuring we were kept up to date with everything along the way. The process was very quick and we are extremely happy with the service provided. Thank you!!"

    Kenna McArthur

  • "Recently ported mortgage and then switched to a new deal at the end of the ported mortgage, Megan and Karen made both processes easy for us during a very stressful time with such unpredictability in the current markets. A warm and friendly service from start to finish will definitely use again and recommend to friends and family."

    Andrew Inglis

  • "Stephen Marlin was excellent in explaining the various options available to me upon re-mortgaging. He took time to explore various options relevant to my complex situation and clearly explained the pros and cons of each option, allowing me to make an informed decision. Rajinee was efficient in processing the re-mortgage, making the whole process smooth and stress free."

    Graeme Braid
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    Did you know?

    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.

    At Rettie we understand.

    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.

    Outstanding Customer Service

    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.

    Personalised Solutions

    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.

    A Proven Approach

    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.

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    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.

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