Reviewing your mortgage, on your terms
Consider your options when your current deal comes to an end, with guidance to help you plan your next steps with confidence.
What is a remortgage?
Remortgaging normally means replacing your current mortgage with a new mortgage from a different lender. Moving to another deal with your existing lender is usually known as a product transfer. Depending on your circumstances, both options may be worth considering. A product transfer can sometimes be a straightforward option if you are happy to remain with your current lender. However, it will only show you the deals available from that lender.
As an independent mortgage adviser, I can look across the wider market and compare suitable options from a range of lenders. That means you can consider whether staying with your current lender or moving to a new one is the better fit for your needs and future plans. My role is to explain the options clearly; answer any questions and help you make an informed decision with confidence.
Why choose ACC Associates?
The clear choice to help you take your next steps
Frequently asked questions
Most people look to remortgage when their current deal is ending, or when they want to reduce monthly payments or raise funds.
Yes, but there may be early‑repayment charges. I’ll check your current terms to see if it’s worthwhile.
Most lenders will carry out a property valuation during the remortgage process to confirm your home’s current value.
In some cases, yes — but it’s not right for everyone. I’ll help you weigh the pros and cons based on your situation.
Most remortgages complete within 4–8 weeks, depending on lender processing times.