Remortgaging
Remortgage advice
Whether your deal is ending soon or you'd like to borrow more, Quanstrom Financial's advisers compare your current lender's offer with deals from across the market, so you can see your options clearly before you decide.
- Start up to six months before your deal ends, depending on the lender
- Your lender's offer compared with the market
- Free first consultation, with no obligation
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Why remortgage
Reasons people remortgage
Most people remortgage when their deal ends, but it isn't the only reason. We'll look at what you'd like to achieve and what it could cost.
A new rate when your deal ends
When a fixed or tracker deal ends, many lenders move you onto their standard variable rate, which is often higher. A new deal could help keep your payments steady.
Release equity
If your home has gone up in value or you've paid down your mortgage, you may be able to borrow more for home improvements or other plans, subject to affordability.
Change your term
You could shorten your term to clear your mortgage sooner, or extend it to lower your monthly payments. A longer term usually means paying more interest overall.
Consolidate debts
Some people combine other borrowing into their mortgage to make one monthly payment. This could mean paying more interest overall, and the debts become secured on your home.
Think carefully before securing other debts against your home.
How it works
How remortgaging works
Five steps from your first conversation to your new deal starting. We'll handle the paperwork along the way.
Free review
We'll look at your current deal, any early repayment charge and what you'd like to achieve.
Compare your options
Your current lender's product transfer offer compared with deals from across the market.
Application
If switching lender suits you, Jessie submits your application and keeps it moving.
Valuation and offer
The new lender values your home and, if all is well, issues your mortgage offer.
Your new deal starts
The legal work is completed, often through a free legal package from the lender, and your new deal begins.
What to know
Remortgaging, explained
A few things worth understanding before you switch. We'll explain how each one applies to you.
Read our 2026 remortgage guideWhen to start
Many lenders let you secure a new deal up to six months before your current one ends, which could help you avoid the standard variable rate.
Product transfer or remortgage
A product transfer keeps you with your current lender, often with fewer checks. A remortgage moves you to a new lender and may give you more choice.
Early repayment charges
Leaving a fixed or discounted deal early can mean a charge. These usually don't apply once you're on the standard variable rate.
Fees and costs
Some deals have arrangement or valuation fees. We'll compare the total cost over the deal, not just the interest rate.
Why Quanstrom Financial
Why homeowners remortgage with us
- Your lender's offer compared with the marketWe'll compare your lender's product transfer with deals from other lenders, so you can see both side by side.
- Everything explained in plain EnglishFrom early repayment charges to arrangement fees, so you know what each option could cost.
- The paperwork handled for youJessie keeps your application moving with the lender and the conveyancer.
- Local people who know EastbourneWe work with local estate agents and solicitors every week, so we know the local market well.
One of the many things that sets him apart is immediately understanding the key elements of my situation and applying his expertise to find a rapid solution.
Dan C., about TobyRemortgage questions
Can't see your question? Call us on 01323 364432 or book a free consultation.
When should I start looking to remortgage?
Many lenders let you secure a new deal up to six months before your current one ends, so it's worth starting a few months ahead. This could help you avoid moving onto your lender's standard variable rate.
What's the difference between a product transfer and a remortgage?
A product transfer moves you to a new deal with your current lender, often without a full affordability check. A remortgage means switching to a new lender, which may give you more choice but involves a full application. Our product transfer guide explains more.
Will I have to pay an early repayment charge?
It depends on your current deal. Charges can apply if you leave a fixed or discounted rate early, but usually not once you're on the standard variable rate. We'll check your terms before recommending anything.
Can I borrow more when I remortgage?
You may be able to release equity for home improvements or other plans, subject to affordability and the lender's criteria. We'll show you how it could change your monthly payments.
Can I remortgage to consolidate debts?
Some lenders allow it, subject to criteria. It could lower your monthly outgoings but may mean paying more interest overall, and the debts become secured on your home. Think carefully before securing other debts against your home. Our debt consolidation guide explains more.
Will my credit score affect my remortgage?
It can. Lenders check your credit history when you remortgage, just as they did for your original mortgage. Our credit score guide has tips on keeping your record healthy.
How much does your advice cost?
Fees vary depending on your circumstances - get in touch and we'll explain any costs clearly before you proceed. Your first consultation is free and there's no obligation.
Deal ending soon?
Book a free consultation and we'll compare your options. We aim to reply the same working day, and there's no obligation.
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