Looking to Remortgage?
A remortgage is the process of switching your existing mortgage, either to a new lender or to a new deal with your current one. You're not moving home, but you are making an active decision about one of your biggest monthly outgoings.
Most people remortgage when their current fixed or tracker rate comes to an end, and they want to avoid sliding onto their lender's standard variable rate, which is often a more expensive option. But remortgaging isn't only about saving money on your monthly payments. It can also be a way to release equity from your property, consolidate other borrowing or lock in a rate that gives you financial certainty for the years ahead.
Whatever your reason, the principle is the same: there's almost certainly a better deal available than the one your lender will automatically move you onto. We can help you find it.
Book a ConsultationHow We Can Help You Remortgage
When you remortgage, timing is everything. Leave it too late, and you could spend months on a standard variable rate, paying more than you need to. Start too early, and you risk early repayment charges that wipe out any savings you'd make by switching.
We take the guesswork out of that. Our team will review your current mortgage well ahead of your deal ending. We'll assess the market and give you a clear picture of your options, with enough lead time to act on them.
Our lead broker, Jason, and his team have spent over 50 years building relationships with lenders across the market. That means we understand not just what rates are available, but how different lenders assess applications, and which are most likely to offer you the best terms based on your circumstances.
If your income is complex, your credit history has a blemish or two, or the property itself is a little out of the ordinary, we know which lenders will look at your full picture rather than decline at the first hurdle.
We also look beyond the headline rate. Arrangement fees, valuation costs and cashback offers can all affect what a remortgage will cost you. We'll present your options clearly and honestly, so you can decide with confidence rather than guesswork.
And if a property valuation comes back lower than expected, which can happen when remortgaging, particularly if the market has shifted, our in-house surveying expertise means we're well placed to advise on what that means and what you can do about it.
For more detail, read our guide: Your guide to remortgaging.
Why Choose FG & Cook?
Your mortgage rate affects your finances every single month, so getting your remortgage right is worth taking seriously. Here's what we bring to the table:
- We act at the right moment – We'll monitor your existing deal and approach the market at the optimal time, early enough to secure a great rate, without triggering unnecessary early repayment charges.
- Whole of market access – We search thousands of products across the mortgage market, including deals you won't find by going directly to your existing lender or using a comparison website.
- Honest, transparent advice – We look at the true cost of every option, not just the headline rate. You'll get a clear, straightforward recommendation and the reasoning behind it.
- Expertise for complex cases – If your circumstances have changed since you last applied, we have the knowledge and lender relationships to find a route through.
Ready to Review Your Mortgage?
If your current mortgage deal is ending in the next six months, now's the time to start exploring your options. And if you're already on a standard variable rate, there's no time to lose. Book a consultation with one of our brokers today. A straightforward conversation now could save you a meaningful amount every month for years to come.
Book a Consultation