Remortgage for a Better Rate or to Release Equity
Work with an independent adviser who will compare deals from across the market and pinpoint the option that genuinely suits your needs. You will receive clear, personal guidance at every stage, with *no broker fee to pay and a fast, straightforward service designed to help you secure the right remortgage with confidence.
What Is a Remortgage and Why It Matters
A remortgage is simply the process of moving your current mortgage to a new deal, either with your existing lender or a new one. Most homeowners remortgage every few years as their fixed rate ends or their needs change.
Common reasons include securing a lower interest rate, borrowing more for home improvements, consolidating debts or releasing equity. Whatever your goals, the team at Vincent Burch Mortgage Services will match you with the most suitable remortgage options based on your individual circumstances.
Why Remortgage Now
Many borrowers choose to remortgage because their current deal is due to end, their loan to value has improved or they want to take advantage of more competitive rates. You may also be considering a remortgage if you:
- Want lower monthly payments
- Plan to repay your mortgage sooner
- Need additional funds for improvements
- Want to release equity for other financial goals
- Want to consolidate existing debts at a lower rate
A short conversation with one of our advisers can help you understand your best route forward.
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Switch Lender or Stay With Your Current One
Remortgaging gives you the opportunity to reassess your arrangements and decide whether switching is worthwhile. Before choosing, consider:
- Early repayment charges
- Your repayment priorities
- Your credit history and affordability
- How much you can borrow
- Whether a fee-free or upfront fee product is better value for you
Comparison at a Glance
Our advisers will compare both options and recommend the most cost effective route, even if that means staying where you are.
Staying with your current lender
- May avoid legal and valuation fees
- Often quicker with less paperwork
- Suitable for simple replacements
Switching to a new lender
- Access to more competitive deals
- Potential to borrow more if required
- Wider choice of product types
How Much Can You Borrow
When you remortgage, lenders will assess your income, commitments and credit history to determine how much you are eligible to borrow.
Use our remortgage calculator to get an initial estimate or speak to us for a personalised figure based on your full circumstances.
How We Can Help
We help with all types of remortgage, including:
- Better rate remortgages
- Borrowing more for home improvements
- Debt consolidation
- Releasing equity
- Buy to let remortgages
- Self employed remortgages
- Adverse credit remortgages
- High loan to value remortgages
If you have a specific requirement, we will guide you through the most suitable options.
Remortgage With Confidence
Our friendly team will listen to your plans and provide clear, honest advice. If your existing lender offers the best option, we will tell you. If a cheaper or more flexible deal is available elsewhere, we will search the whole market to find it.
Whether you want a better rate, to release equity or to raise additional funds, you will have support from an adviser who will manage your application from start to finish.
Get Your Personal Remortgage Quote
Advice that’s tailored to your own bespoke situation.
Enter your contact details and we will contact you, typically within 10 minutes (during normal business hours).
Frequently Asked Questions
How long does a remortgage take?
Most remortgages complete within two to six weeks, depending on the lender and whether additional borrowing is involved.
Can I remortgage before my fixed rate ends
Yes, but early repayment charges may apply. We will check the costs and advise whether switching early is beneficial.
Can I borrow more on a remortgage
In many cases, yes. Lenders will review affordability and your current equity to decide how much extra you can take.
Do I need a solicitor
Some lenders provide a free legal service for remortgages. If not, we will let you know what is required.
Does remortgaging affect my credit score
A lender will run a hard check at application stage, which may show on your file, but this is normal for any mortgage application.