Remortgaging Advice
Remortgaging helps homeowners secure better rates, release equity, or adjust mortgage terms. Visionary Finance guides you through every step, comparing lenders, reviewing your finances, and finding tailored solutions. Whether your fixed-rate deal is ending or you want to access capital, our expert advisers make the process simple and stress-free.
-
Tailored Remortgage SolutionsWe assess your financial goals and circumstances to identify remortgage options that reduce payments, release equity, or suit your long-term plans.
-
Access to 40+ Lenders
Our extensive network includes high-street and specialist lenders, giving you access to a wide range of competitive mortgage products.
-
Fixed, Variable, and Tracker Options
We review all mortgage types, helping you choose the right structure for affordability, flexibility, and long-term savings.
-
Equity Release and Capital Access
Remortgaging can free up capital for home improvements, new property purchases, or personal investments, depending on your equity position.
-
Simplified Application Process
Our advisers handle paperwork, compare deals, and liaise with lenders to streamline the remortgage process and improve approval chances.
Timing & Eligibility
Remortgaging is most effective when your fixed-rate deal is ending or if interest rates have changed. Lenders also consider credit history, loan-to-value (LTV) ratios, and property value. Planning 4–6 months ahead ensures the best rates, while preparing documentation in advance speeds up approval. Working with an expert broker helps navigate eligibility requirements, reduce costs, and avoid unnecessary delays.
Remortgaging FAQs
Our remortgaging FAQ answers common questions about rates, eligibility, and the application process. Understanding how remortgages work and when to act can help you secure better deals and optimise your mortgage strategy.
-
How do I know if I should remortgage?
Consider remortgaging if your fixed-rate period is ending, rates are lower than your current mortgage, or you want to release equity. An adviser can assess your goals and timing. -
What is the difference between a product transfer and remortgage?
A product transfer stays with your current lender, often requiring minimal paperwork but offering limited flexibility. Remortgaging allows switching lenders and potentially better rates or borrowing options. -
How can I improve my chances of approval?
Maintaining a strong credit score, reducing outstanding debts, and ensuring your property’s value and equity position are favourable improves remortgage approval prospects. -
Can I release equity when remortgaging?
Yes, if your property has increased in value or you have paid down your mortgage, remortgaging can free up funds for renovations, investments, or other needs. -
How long does the remortgage process take?
Typically, 4–8 weeks, but preparation of documents, property valuation, and lender requirements can affect timing. Working with a broker can streamline the process. -
Do I need a mortgage broker to remortgage?
While not mandatory, brokers provide expert guidance, access to a wider range of lenders, and help ensure you get the most competitive, suitable remortgage deal.
Mortgage Reviews
“Our adviser and administrator at Visionary Finance have been steward advisers throughout the lending acquisition process. The products are dictated by the lenders and the professional support from VF is critical to ensure an objective journey. Due diligence is tedious with international financing clients and attention to detail is important to manage, patiently and professionally.”
“In a turbulent year, our adviser’s professionalism, level of communication, care and sensitivity, and sheer tenacity, helped us secure a mortgage – even as we navigated the challenges of purchasing a UK apartment across three countries and during a global pandemic. When things go smoothly, that’s great, but it’s when things go wrong that you need a good person and a professional on your side. We cannot thank him and the team enough.”
Ali Cipriano
“I have been very impressed by the supportive service given to me by the team at Visionary Finance. My mortgage adviser didn’t tire even though our application for a mortgage was a challenge as one of us is a non-resident buyer which adds complication to the arrangement process. There were a number of rejections by some lenders but Visionary Finance kept going until success was reached. Thanks for your great efforts.”
Paul German
“My last 2 brokers were unable to sort out my mortgage, I felt helpless until I was introduced to Visionary Finance by the developer. I’m really impressed by their service, they have handled my case in a professional and efficient manner. They are always responsive and explained every step to me clearly. They are really committed and hardworking to help me with securing a mortgage offer, definitely recommended their great service.”
Remortgaging Resources
Explore our helpful guides and resources to learn more about the mortgage process, compare different products, and make confident, informed decisions when buying or investing in property.
