Remortgages
Take control of your finances with the right remortgage deal. Whether you’re searching for better rates, approaching the end of your mortgage term, or looking to release equity, we’re here to guide you through the process and find the solution that fits your needs.
Explore your remortgage options
If you’re considering a remortgage, it could be the key to reducing your monthly payments, unlocking funds, or securing a better rate. Whether your current deal is ending or you’re planning ahead, remortgaging offers flexibility and opportunity.
With expert advice and access to a broad range of deals, you can explore tailored options to suit your financial goals. From switching to a better rate to borrowing against your property, every step is designed to make the process smooth, transparent, and beneficial.
Call today to book a free remortgage consultation 024 7632 2000
A great time to review your financial resilience
Moving mortgage isn’t just about a change of rate - it’s also the perfect opportunity to take a fresh look at your family’s financial resilience. A lot can change since you last arranged your mortgage. You might have expanded your family, got married, changed jobs, or even taken up a new hobby that comes with a bit of risk!
That’s why Paul will take time to understand how life has evolved for you and what that means for your finances. Together, you’ll review how well protected your family would be if your income was reduced or lost, and look at ways to make sure you could still meet your mortgage and household commitments if the unexpected happened.
It’s all about making sure your home - and everything that matters most to you - stays secure, whatever life throws your way.
Explore your remortgage options
If you’re considering a remortgage, it could be the key to reducing your monthly payments, unlocking funds, or securing a better rate. Whether your current deal is ending or you’re planning ahead, remortgaging offers flexibility and opportunity.
Finding the best mortgage for you
When the time comes to move, we’ll look at every option to make sure you get the best outcome. Sometimes that means porting your existing mortgage to your new home — helping you avoid any early repayment charges your current lender might apply.
But we’ll also explore what’s available across the wider market. Some lenders are more generous if you’re upsizing, while others may offer more competitive rates or flexible features that better suit your plans.
Whatever route we take, you can be confident we’ll recommend what’s right for you — and we’ll even manage the process if you decide to stay with your existing lender, keeping everything simple and stress-free.
Frequently asked questions...
The reason Paul and the team at KeyFS have built an award-winning, five-star reputation is simple - they give clear, balanced advice that’s easy to understand. There’s no hard sell, no jargon, and no pressure.
Just honest guidance from people who genuinely care about helping you make the right choice. Every recommendation is based on what’s best for you and your personal circumstances, so you can move forward with complete confidence. Here are the advanatges and disadvantages of some terms you may be familar with.
Yes, you can, but it's essential to check if there are early repayment charges or exit fees with your current lender. Sometimes, switching early still makes financial sense, especially if the savings outweigh any penalties. We’ll help you work out what’s best for you.
We also have some lenders who will let you switch early without penalty. Talk to one of our experts today for more information.
The time it takes to remortgage can vary depending on your personal circumstances. In some cases, we may recommend staying with your current lender if their deal still offers great value — in others, switching to a new lender could save you more. Whatever the route, we’ll guide you through the best option.
We always like to start the process well before your current deal ends, so you don’t end up paying more on your lender’s Standard Variable Rate.
Our online system helps keep things simple and efficient. Once you’ve chosen your mortgage deal, you can submit your application and upload documents with ease. We’ll keep you updated throughout, so you always know what’s happening and what comes next.
There’s no cost to join and no obligation to proceed. SmartSwitch™ is designed to keep you informed and in control. If you decide not to switch, that’s entirely up to you.
Yes. Our job is to find you the best overall option. If your current lender offers a great product, we’ll tell you. If someone else can do better, we’ll show you that too. It’s all about what works best for you.
SmartSwitch™ is a free mortgage renewal service that monitors the market for better deals before your current deal ends. We track your renewal date and alert you when it's time to switch, saving you time, stress, and money.
If your mortgage deal ends in more than 6 months, now is a great time to register. This gives us enough time to review your options, including what your current lender may offer, and prepare for the switch in advance.
It’s a good idea to start looking at your options around six months before your current deal ends. This gives plenty of time to review the market, secure a new deal, and avoid rolling onto your lender’s more expensive Standard Variable Rate.
If you are over six months away, why not enrol in our SwitchSmart scheme and let us do the heavy lifting?
Remortgaging isn’t just about finding a new deal—it’s about finding the right deal. Working with a mortgage broker can help you explore your options, calculate how much you can borrow, and identify the mortgage that best suits your needs and financial situation.
Whether you’re exploring remortgaging options or ready to apply, getting started is simple. Speak to an expert adviser or begin your application online for fast, hassle-free support tailored to your property and circumstances.
Yes, an existing loan will factor into your remortgage assessment. Lenders consider your monthly outgoings, including loan repayments, when determining affordability. Missed loan payments can also impact your credit score, which may influence your eligibility for new mortgage deals.
For tailored advice on how your financial situation affects your remortgaging options, please consult one of our remortgage experts who can guide you.
Not at all. There are no credit checks just for joining. We only begin formal applications (which may include a credit check) once you’ve reviewed and agreed to a recommended mortgage.
Let's talk...
Your enquiry will be handled by a fully qualified local mortgage and protection adviser, who will be available to speak with you at any time.
Contact us
Why not start things off by answering these 4 quick questions? We’ll then share some useful insights with you, and when the time feels right you can chat with one of our advisers for more personalised guidance.