Remortgage
Straightforward advice to help you remortgage with confidence
There are lots of reasons to remortgage - your current deal might be coming to an end, you might be planning home improvements, or maybe you're moving and want to take your mortgage with you.
Whatever the reason, I’ll help you understand your options, make a plan that fits, and handle the details so everything feels more manageable from start to finish.
Questions I Hear All the Time
There’s no such thing as a silly question, but here are the ones that come up the most.
-
Yes, in many cases you can. Whether it’s the right move depends on things like early repayment charges and your current lender’s terms. I can help you figure out the best timing.
-
It depends. Even if rates are higher, switching could still be the better option, especially if your current deal is ending. I’ll help you weigh up the numbers and make an informed decision.
-
Often, yes. Many people release equity for things like home improvements or consolidating debts. It’ll depend on your income, your property value, and what lenders are offering, but we can explore the options together.
-
It might affect what’s available to you, but that doesn’t mean it’s a no. Every lender looks at things differently, and I’ll help you understand what’s possible based on your current situation.
-
The remortgage process typically takes around 4–6 weeks once your application is submitted, but I usually recommend starting around 3–6 months before your current deal ends. It gives us time to plan ahead, avoid any last-minute stress, and take advantage of any rate drops before your new deal begins.
-
We’ll start with a quick chat to look at your current mortgage, what’s changing, and what you want to achieve. From there, I’ll walk you through each step — clearly and calmly.
What to Expect
What Working Together Looks Like
💬 Straightforward advice
I’ll explain everything in real terms, so you know what’s actually happening (and why it matters).
🏦 Whole-of-market access
I’m not tied to one bank. I’ll look at a wide range of lenders to find a mortgage that suits you.
📝 Paperwork handled
I’ll manage the forms, the chasing, and the admin — and keep you in the loop every step of the way.
🔍 Realistic, honest guidance
I’ll help you set a plan that works for your actual life — no pressure, no assumptions.
🎯 With you from first chat to getting the keys
I’ll be here through the whole journey, not just until the mortgage offer lands.
READY TO REVIEW YOUR OPTIONS?
Whether your deal is coming to an end or you just want to explore what’s possible, let’s have a chat.
There’s no pressure — just clear guidance to help you make your next move with confidence.
Straightforward advice to help you feel in control of your next mortgage move — even if the market feels uncertain.