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What Is a Remortgage?

Residential remortgaging is the process of replacing your current mortgage product with a new product, usually either to switch to a better rate or release capital. The process is usually quick and easy, the legal aspect is simple, and doing so will ultimately put you in a much better position.

You should be considering a residential remortgage if any of the following apply:

  • You are coming to the end of your initial rate (for example, the end of your 2-year fixed period) and the value of your repayments are about to increase
  • You are on your lender’s standard variable rate (SVR)
  • You would like to do work to your property
  • Your circumstances have changed, or your property value has increased and you want to improve on your initial terms
  • You would like to release equity for investment purposes or to clear debts
  • You would like to reduce your mortgage
  • You are planning to move house but would like to keep and let your current property

It’s important to be prepared, and to have certain information to hand such as who your current lender is, what your rate is, when it expires and whether there are any early repayment charges payable.

How can we help?

The above list covers just a few of the reasons we are approached to initiate a residential remortgage application. We are happy to discuss any circumstances to determine what options are available to you.

How we structure your loan will depend on your plans over the next few years. Are you planning on moving house? Are you expecting to receive additional income or funds? Will you need extra liquid cash in the future for school fees or building works?

One of our expert brokers will guide you through exactly what’s possible, how much it will cost and how much you could save.


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Remortgage Blog

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What happens to your mortgage when you move home?

While moving home can be one of the busiest and most stressful times in your life, sorting out your mortgage doesn’t have to be. In fact, mortgages can be pretty straightforward when moving home, whether you take your current mortgage with you to your new property or...

Remortgaging To Raise Capital

There may come a time when you want to use the money that is tied up in your home for something else, such as for home improvements. Going through this process is known as releasing equity.

The ins and outs of overpayments

Once you’ve settled into your mortgage and have gotten used to your new outgoings, you may find that you have a bit more disposable cash than you first thought. So the next question is: what should you do with the money?

Remortgaging FAQs

Whether you should remortgage or not will depend on your individual circumstances and needs. If you have found a lower interest rate and it’s financially the better option then it might be more suitable for you to remortgage. You also might want to remortgage for the following reasons:

Advantages of buying a new build

Just like everyone has their own style when it comes to fashion, it’s the same when it comes to houses. Some people prefer period houses that have character and unique features, whereas others might prefer a new build property with a clean, modern look and feel that you can make your own.


Doing a good job is important to us, so we’re always delighted to receive positive feedback from our customers.

Here’s what some of them have been saying about us recently.


Mrs T

“I have been referred to Chris by a professional network and I am extremely glad I have! They have assisted me in getting the best mortgage and I couldn’t be happier with their services and professionalism. I would highly recommend the entire team to anyone wishing to seek advice in this area!”


Mr B

“From Start to Finish all the team at CAPC were helpful and delivered a very professional service, with regular updates on the status of our application and good advice on the options which were available, a great service which I would recommend Thanks Again.”


Mr C

“CAPC were excellent in sorting my Mortgage in tight timescales. The team managed the process from start to finish and provided confidence that they could develop a great solution. They sourced a cheaper and better product with the added benefit of an offset. I would recommend their services to others.”

Contact our expert advisers now

Call free from landline or mobile


Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

CAPC is a trading name of Christopher Allen Private Clients Limited which 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.

Christopher Allen Private Clients Limited. Registered Office: 7 Arrow Court, Adams Way, Alcester, Warwickshire, B49 6PU. Registered in England Number: 08820469

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