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Remortgages

Your current mortgage would have been the right choice when you took it out, but we know that personal circumstances can change, as can what you require from a mortgage.

Your current mortgage deal may be due to end soon, you may want to borrow extra funds, or you might just want us to shop around and review the best options available to you. Whatever your need, a remortgage will certainly be worth considering.

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Explore the best options when the time
is right to review your mortgage. 

At Jubilee Finance, we work on remortgage cases day in-day out, meaning we can review your circumstances and provide the best mortgage advice tailored to help you understand all your options.

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What is a remortgage?

Put simply, remortgaging means replacing your existing mortgage with a new mortgage. This does not need to be with your current mortgage provider and can be a chance to see what options you have with alternative lenders.

Homeowners choose to remortgage for many different reasons. Your current deal may be expiring, a fixed rate or introductory deal may be changing, or you could be looking to borrow more or change the length and terms of your mortgage.

It is important to remember that remortgaging is not always the correct decision  for everyone. At Jubilee Finance we help you consider the complete picture, including your current mortgage terms plus the impact of any fees or charges that you may incur.

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Is it time to review your mortgage?

We never say to wait until the end of a mortgage term before thinking about whether you want to remortgage. With average fixed rate deals now extending to five and ten years, it is almost the case that your circumstances will be different to when you first took out the deal. Therefore, speaking with us at the earliest possible stage will carry many benefits.

Our team of expert brokers will take the time to understand your circumstances and inform your next steps. As a broker, we are not tied to any specific lender or type of mortgage. This means we can review the whole market and develop a full suite of  suitable remortgage options – based totally on your individual needs and circumstance both now and in the future.

All options will be laid out clearly ensuring you have all the information you need to make the best decision on what to do next.

How does Jubilee Finance help with remortgaging? 

With every remortgage case we work on, you will benefit from the following

  • A full review of the remortgage options that are available to you.
  • Clear advice on whether remortgaging is the best solution.
  • Clarity on the advantages of staying with your current lender.
  • Any costs or fees associated with remortgaging
  • The ability to use a remortgage to raise additional funding.

What our clients say about us

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Ross and his team at Jubilee Finance are 1st Class. His knowledge is excellent, attention to detail and customer service is fantastic. I would not hesitate to recommend him for any mortgage need.

Ian Jessop

26/10/2023

Exceptional service! Jubilee finance went above and beyond to secure the best deal for me. Their expertise, responsiveness, and professionalism made the entire process smooth and stress-free. Highly recommended!" ⭐⭐⭐⭐⭐

Kevin Earp

10/10/2023

Remortgage with confidence.

Your mortgage is likely to be the biggest financial commitment you ever make. It is always worth making sure your arrangements continue to suit your needs.

If a current deal is coming to an end or your circumstances have changed or may change in the near future, please get in touch with Jubilee Finance find out more on how we may be able to help.

FAQS
Get the answers you need quickly

What is remortgaging?

Remortgaging means you will be taking out a new mortgage to replace your existing one. This could involve moving to a new lender or, depending on the options available, arranging a brand-new deal with your existing mortgage provider.

At what point should I review my mortgage?

It can be sensible to review your mortgage before your current deal comes to an end, particularly if you want time to consider the options available. The right timing will depend on your individual circumstances and your current mortgage terms. We recommend that if you are in the last three-six months of your mortgage then you start to look at your options.

Can I remortgage with my current lender?

Possibly. This will always depend on who your current mortgage lender is and a range of factors specific to your circumstances and borrowing expectations. One of our advisers can help you consider this alongside other suitable options.

Are there costs involved in remortgaging?

When you remortgage either with your current lender or through a new provider, there is the change of some extra costs. This can include potential arrangement fees or early repayment charges on your existing mortgage. Knowing these costs helps understand any extra impact on the overall mortgage offer and whether these costs need to be paid straight away or can be included as part of the overall mortgage deal. Our team will always make these costs clear to you, so you have all the details needed to make the most informed decision.

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Residential

A residential mortgage is simply a large loan meant to help you, the borrower, to purchase a home. Find out more information and get in touch with us today.

Expat Mortgages

For property finance needs in the UK while living abroad, whether for buy-to-let or remortgage, you'll need to rely on an ex-pat mortgage broker to secure the right deal.

Second Charge

A separate and additional mortgage to the homeowner’s main (or first) mortgage. Find out more information and get in touch with us today.

Need to discuss a remortgage?
Give our team a call today!

Contact Jubilee Finance today to discuss your requirements and find out how we may be able to help. You can reach our team of broker experts through a phone call or email. Or if you would prefer, you can also take advantage of our user-friendly contact form located on our website’s dedicated contact page for a prompt and efficient response.

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A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Most forms of buy-to-let mortgage are not regulated by the financial conduct authority.