Remortgage Advice: Switch, Borrow More or Consolidate
It’s easy to let a mortgage run on autopilot. A quick check now, before your rate quietly rolls onto something more expensive, could save you a lot more than you’d expect.
Your Home/Property May Be Repossessed If You Do Not Keep Up Repayments On Your Mortgage.
Think carefully before securing other debts against your home/property.
Three Reasons People Actually Remortgage
Most people remortgage for one of three reasons: their fixed rate’s ending, they want to borrow more or release equity, or they’re bringing debts together into one payment. Whichever applies, it’s worth a conversation well before your current deal expires, not after you’ve already slipped onto your lender’s standard variable rate.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Can You Remortgage Early & How Much Could You Save?
Often, yes, and it’s one of the questions we’re asked most. We’ll check any early repayment charge on your current deal against what a new rate would actually save you, so you get a straight answer rather than a guess.
Every Remortgage Situation Looks Different
Whatever’s prompting the conversation, we’ll help you understand the options available and what each one could mean in practice.
Fixed rate ending soon
We’ll compare a number of lenders across the market so you don’t default onto a standard variable rate simply because nobody flagged the date.
Wanting to borrow more
Whether it’s funding home improvements or releasing equity, we’ll check whether it fits your longer-term plans before recommending it.
Juggling several debts
Bringing debts together under your mortgage can lower your monthly outgoings, though it’s not right for everyone, we’ll talk through what it costs over time too.
Thinking about switching early
We’ll weigh any early repayment charge against the savings on offer, so the decision’s based on real numbers, not guesswork.
We’ve been really happy with the whole process.
We’ve worked with Michael twice now, most recently to remortgage. We’ve been really happy with the whole process – Michael was always very helpful and on hand to answer any questions.
Working with Us
We review your
current deal
Including any early repayment charges that might apply.
We compare our
list of lenders
Not just what your existing lender offers you to stay.
You get an honest
recommendation
Even if that’s to stay put a little longer.
We handle
the switch
Keep you updated until it completes.
The Taylor-Brown Financial Difference When You Switch
Stay Ahead of the SVR
We flag your fixed rate ending well in advance, not radio silence until you’ve slipped onto the SVR.
More Than Your Lender
Genuine comprehensive panel comparison, not just what your current lender offers you to stay.
No Need To Restart
If you’ve used us before, the same adviser already knows your situation, no starting from scratch.
Honest Advice, Always
Honest advice, including telling you to stay put if that’s genuinely the better option.
Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of the claim, declining to pay all the claim and possibly declaring the policy invalid.
Once You've Remortgaged, Is Your Protection Still Right?
A remortgage is a natural point to check whether your life insurance, income protection or critical illness cover still matches your mortgage and your circumstances, rather than assuming it’s still correct.
Frequently Asked Questions
Can I remortgage before my current deal ends?
Yes, in most cases, though you’ll want to check whether your existing lender charges an early repayment fee and weigh that against the savings a new deal might offer.
Is debt consolidation through a remortgage a good idea?
It can lower your monthly payments, but it also means spreading short-term debt over a much longer mortgage term, so it’s worth a proper conversation about whether it suits your situation before deciding.
How far in advance should I start my remortgage?
Ideally three to six months before your current deal ends, so there’s time to compare the market properly and avoid slipping onto a standard variable rate.
Is there a cost to speak to you?
No, the initial conversation is always no obligation.
What Our Clients Say
Latest Guidance & Articles
Ready to Check Your Options?
Book a no obligation initial consultation and find out if switching makes sense.