Remortgaging

If you’re approaching the end of your current mortgage deal, a remortgage could be the solution for you. Contact us today to learn more about remortgaging options. With our expert advice and competitive rates, we can ensure you get the best deal.

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FAQs - Remortgaging

A remortgage occurs when your fixed-term mortgage product ends or when you’re on a standard variable rate, and you opt for a new mortgage deal with either your existing lender or a new one.

You should consider remortgaging if:

  • You’re on a standard variable tariff
  • Your current agreement is coming to an end
  • You want to release equity from your property
  • You’re on a high-interest rate
  • You want to offset your savings
  • Your property value has increased
  • You want more flexible terms

Remortgaging at the wrong time may come with an early repayment charge. However, sometimes the cost may be subsidised by the reduced costs of the remortgage.

We have qualified mortgage advisors available to help and guide you through your remortgage and ensure you’re taking the best option for you and your situation.

To avoid early repayment charges and ensure a smooth transition, it’s best to start searching for a remortgage 6 months before your current deal ends. Our expert advisers can help you navigate the market and find the best rates available, without any hassle or stress. With access to a whole-of-market panel, we’ll compare products to ensure you get the best deal for your needs.

Certainly! Even if you have bad credit, there are still many affordable and competitive remortgage products available. Although you may not be eligible for the cheapest deals, our experienced advisers can assess your individual circumstances and help you find a suitable lender.

We don't charge a broker fee!
Saving you up to £995*

At Prosperity Mortgages we do not believe in charging our clients a broker fee for our service. In the UK, mortgage advisers are typically paid a procuration fee (commission) from the lender you take your mortgage through, which means we still get paid but don’t charge you a fee for arranging your mortgage.

*Based on the maximum broker fee we could choose to charge being £995

£0 Broker Fee

Save up to £995 in broker fees by using Prosperity Mortgages.

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