Remortgaging

A remortgage refers to the process of switching your existing mortgage to a new deal, either with the same lender or a different one, without moving home. People typically remortgage to secure a better interest rate, reduce monthly payments, release equity from their property, or change the mortgage terms. You may be coming to the end of your current mortgage deal. If this is the case, it is worth starting the remortgage process 4-6 months before the deal is about to expire. This makes switching products a seamless process, rather than going onto the lender’s standard variable rate which may lead you to having to pay a higher monthly mortgage payment.

How The Process Works

We will research the market to find the best options for you

We fully research the market to find a deal and a lender that best matches your needs. We’ll then present a range of possible options from which you can choose from.

We present our findings and support you choose what is best for you

We’ll then present you with all of our findings and support you choose the most suitable option and proceed with your application.

We keep in touch with both your lender and conveyancer

Finally, we’ll liaise with your lender and conveyancer to ensure that your remortgage deal progresses to completion smoothly.

Reasons to Remortgage

When it is time to remortgage, you can either remortgage on a like-for-like basis and secure another competitive rate. If you have sufficient equity in your home and the affordability to do so, you can release equity and capital raise for home improvements, business purposes, another property purchase, or any other legal reason. This is subject to affordability.

Home Improvements

Capital Raising

Current Deal is Ending

Switch to a Better Rate

Change in Circumstances

Why Choose Pearl Mortgage Services

At Pearl Mortgage Solutions Limited, we can help you find the right remortgage deal for your needs. With our extensive market knowledge and experience we take the guesswork out of remortgaging, simplifying the application process and ensuring you find the most suitable deal for you that suits your needs and personal preferences.

Pearl Mortgage Solutions Ltd is an appointed Representative of PRIMIS Mortgage Network, A trading name of First Complete Limited. First Complete is authorised and regulated by the Financial Conduct Authority.

Registered Office : 290 Baldwins Lane, Hall Green, Birmingham, B28 0XB. Registered in England and Wales

Company Number: 10656314.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

The guidance and/and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers in the UK.

At Pearl Mortgage Solutions Ltd, our mortgage fees range from £0 - £500 depending on the type of mortgage application, the complexity of your case and individual circumstances. We will discuss this with you at the earliest opportunity so you are fully aware.