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Remortgages & Rate Switches

If your mortgage rate is coming to an end, you might already be thinking about the best deal. We compare the whole market to find you the right rate — whether that’s a remortgage or a simple switch with your existing lender. (see enclosed journey guide)
But it’s not just about the numbers. Life changes — new jobs, children, debts cleared — mean your protection needs might have changed too. Sticking with an outdated plan (or no plan at all) could leave you exposed if your income was suddenly reduced.

Our free financial resilience review ensures your mortgage, income, and family are protected, giving you confidence that your finances can weather any storm.

Book your remortgage / rate switch chat
Renewing your mortgage is a big deal.We’ll get you the Best deal.

Why remortgage?

There are many reasons to consider a remortgage. Here are the most common:

If you love your home, but it’s too small or needs some enhancements, remortgaging can be a convenient and cost-effective way to improve your existing property.
Adding extra rooms might be cheaper than moving to a larger property.

Get a better deal

As market conditions change, your current loan may become less competitive. Switching lenders could save money on monthly repayments or help you repay your mortgage sooner.

 

Lump sum for special occasions

Property rich but cash-poor? Unlock some of your property's equity for significant life events like weddings or education expenses.

Debt consolidation

Remortgaging can allow you to release some of the value you hold in your home and consolidate other debts that can attract higher interest rates than your mortgage (e.g. credit cards). Think carefully before securing other debts against your home. While debt consolidation often reduces the amount of repayments, making them more affordable, it typically involves extending the term over which you repay the debt(s), often resulting in you paying more for the debt in total.
remortgaging

Due for a remortgage? Don’t spend hours searching for the best deal and going through the application process—consult our experts at Best Mortgage Group.

Call us on 01277 633123 to get started on finding the right mortgage

1.

Step one: Your first hello

When you get in touch, we'll have a friendly chat about what's prompted your remortgage. Is your rate ending? Spotted a better deal? Want to release some equity? We'll get the basics sorted and understand what you're hoping to achieve.

2.

Step two: Getting to know your current situation

It’s time to dive into your goals, budget, and how life's changed since your last mortgage application. New job? Family changes? Different income? It's amazing how much can shift in a few years, and your protection should shift with it.

3.

Step three: Your financial safety net check

Here's your opportunity to ensure you're not just getting a better rate, but better security too. We'll look at your financial resilience – if something unexpected happened, how would your new monthly payment be covered?

4.

Step four: Finding your perfect new deal

We'll review your current mortgage inside and out, hunting for better rates and terms that suit your life now. But we'll also look at whether your protection still fits – because there's no point saving £100 a month on your mortgage if you're underprotected by thousands.

5.

Step five: Getting your ‘yes’ in principle

It’s time to get you mortgage-ready with that all-important Agreement in Principle. We'll also set you up on our Mortgage Wallet app so you can track everything from your phone.

6.

Step six: The application deepdive

Once we've submitted your new mortgage application, we'll book in your detailed financial resilience review. This is when we get specific about ensuring your protection matches your current life, not what it was years ago when you first got your mortgage.

7.

Step seven: Keeping everything on track

While your application works through the system, we'll be coordinating with lenders and insurers to ensure everything runs smoothly. Consider us your personal project manager for this whole process.

8.

Step eight: New deal, new security

Your new mortgage offer arrives, your protection is refreshed and relevant, and you're ready to move forward with both better rates AND better coverage.

9.

Step nine: We’re here for the long haul

Your financial situation will keep evolving, and when it does, we're here for your next review. Think of us as your long-term financial partners, not just a one-time service.

A testimonial from one of our besties

Ian has helped us with our mortgage twice always so helpful and knowledgeable and really easy to get in contact with! Would always recommend!

Alice , Essex

first time buyers

What makes us different?

We’re not just mortgage brokers – we’re your home-buying champions. We live in the real world, with real mortgages and real families, just like you. We know this journey inside out because we’ve walked it ourselves, and from day one to move-in day (and beyond), you’ll get clear communication, honest advice, and someone who genuinely cares about getting you the best outcome – not just the quickest sale.

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

best mortgage group

Ready to start your journey?

Your dream home is waiting, and we’re here to help you reach it safely and securely. Let’shave that first onversation and start building your path to omeownership – with all the right protection in place.

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