Remortgages

Allow us to review your mortgage to source the most competitive rates currently available.

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Completely free mortgage review

Switching to a new, better deal is something that we can achieve for you with our expertise and high standard of customer service. Whether it be a pound for pound switch or a further advance we can quickly and efficiently advise on the best option for you. There are all sorts of different remortgage products and it can be confusing if you are new to this when you are faced with all the various terms such as fixed rates, capped rates, discounts, cashbacks, flexible deals and Base Rate trackers, for example. It’s only sensible to get experts like those here at Stonehill Mortgages to explain the pros and cons of the various deals.

We can look at your mortgage every year and see whether remortgaging could save you money.

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Independent and unbiased

It is definitely a fact that in the current economic climate most lenders are being a lot more selective about who they lend to and how much they lend, but our specialist remortgage experts here at Stonehill Mortgages can help you find the good deals that are still out there. If you feel a bit overwhelmed by the choice, then we can help. Not only are we more experienced at finding the right mortgage, we also have access to products that aren’t available direct to consumers and we are independent and unbiased.

To take advantage of our 100% fee-free independent mortgage review give us a call today or fill in the enquiry form on our contact page.

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What our customers are saying

James and the team at Stonehill have been a great help with my last 2 mortgages making the process simple and problem-free. In particular, James was always available to answer my questions and I was greatly relieved to have his assistance.

Rob Wilkinson

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5 Frequently Asked Questions (FAQs) about Remortgages

You might consider remortgaging when:

  • Your fixed or introductory rate is ending and you’ll move to a higher standard variable rate (SVR).
  • You can apply to remortgage within 4 months of the end of the fixed term period.
  • You want to reduce monthly payments by securing a lower rate.
  • You need to release equity for home improvements or other expenses.
  • You want to change the term or type of your mortgage (e.g., from interest-only to repayment).

If you remortgage at the end of your fixed term period, there will be no charges.

If you remortgage within your fixed term period, penalty charges could apply - possible costs include:

  • Exit fees or early repayment charges from your current lender.
  • Arrangement fees for the new mortgage.
  • Valuation and legal fees (though some lenders offer free valuations and legal work).

It’s important to calculate whether the potential savings outweigh these costs.

Yes, but it depends on your circumstances. Lenders will assess your income, credit score, and property value. If your income has fallen or your debts have increased, your options may be more limited — but you might still find competitive deals with the help of Stonehill Mortgages.

Typically, it takes 4 to 8 weeks from application to completion, depending on the lender and whether you’re switching providers - ensuring all documents are ready can speed up the process.