Are you

Ready to Remortgage?

Helping home owners remortgage to reduce their payments while ensuring they're getting a great deal is our bread and butter. With a huge range of lenders available across the market, get in contact with us today.

Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

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Whole Market Mortgage Broker

We’re not limited to a handful of lenders. We have access to the biggest players in the market as well as specialist, niche lenders. We’ll search over 90 lenders to find you the right remortgage product tailored to you and your needs so you can rest assured you are getting the very best

Finding you a great deal on your remortgage.

Remortgaging a property simply means changing your current mortgage provider.

Sticking with your existing lender after your initial deal comes to an end will mean you revert to the lender’s SVR (Standard Variable Rate) but if you are willing to spend time comparing all other options, then remortgaging to another lender could save you hundreds or even thousands of pounds.

Some lenders may offer you another rate to tie in for another 2/3/5 years but they are only offering you products that they have available. RJ Mortgages have access to hundreds of different products which mean we spend the time in searching the market for the most competitive rates for you.

We recommend you start to arrange your remortgage 6 months before your current mortgage deal comes to an end. It is possible to remortgage early but you may be stung with an early repayment charge as a penalty for exiting your mortgage terms earlier than planned.

Why remortgage?

There are many reasons that you may want to consider a remortgage which include;

Securing a new rate
Borrowing more money
Release equity
Having a product which allows overpayments
Switching repayment type
Debt consolidation
Extend/reduce mortgage term

Contact our team today to discuss your remortgage options.

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

3 Simple Steps

Enquire

Arrange a free 30 minute consultation to discuss your current situation and come up with a plan to get you mortgage ready.

Apply

We will issue you with a decision in principle and when ready, submit your application, taking care of all of the paperwork – saving your precious time.

Complete

Once the mortgage has been submitted, our team will manage the whole process ensuring the solicitors, estate agents and lenders are all working together.

Get Started Today >

Remortgaging FAQ's

Take a look at some of our most frequently asked questions about remortgages.

How long does a remortgage take?

It’s really hard to give an exact time frame as it will depend which lender you are using , how quickly you can return the required paperwork and how long it takes your solicitor to finalise everything

That being said, remortgaging is often much quicker than when you purchased the property. It can normally be done in around 6 weeks.

Can I remortgage if I own my house outright?

Yes you can. You can release some of the property’s equity by taking out a mortgage. This is known as remortgaging an unencumbered property.

When can I remortgage?

We recommend you start to arrange your remortgage 6 months before your current mortgage deal comes to an end. It is possible to remortgage early but you may be stung with an early repayment charge as a penalty for exiting your mortgage terms earlier than planned.

Do I need a solicitor for a remortgage?

You only need a solicitor or conveyancer to remortgage if you are changing your mortgage provider. This is because they will need to change the title deeds to show the transfer from one lender to another.

How do I check my credit?

We recommend checking your credit using a CheckMyFile* credit report as it checks data from 3 Credit Reference Agencies, not just 1. Try it FREE for 30 days, then £14.99 a month - cancel online anytime. Get started by clicking the button below.

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About RJ Mortgages

RJ Mortgages compare thousands of products available on the market, making sure you are getting the very best for your individual needs. We provide advice in a way that is clear and easy to understand, leaving you feeling educated and inspired.

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Rachel was brilliant from start to finish. I wasn’t too hopeful she could help us as we are older with a history of adverse credit. We had been stuck in a horrible high interest mortgage. She did help us we are so happy and it has saved us so much money each month. It’s all quite techy now too submitting stuff on line and Rachel was always there to help us with that too.

Steph

2022-07-11

Me and my girlfriend have recently bought our first house and I have to say I don't think we could have done it without the help of Rachel! She was literally there for us every step of the way and helped guide us through the whole process of getting the best mortgage for us! Whenever something came up that we wasn't too sure about, all we had to do was ask and she'd explain and take care of everything in a nice and simple way. I would definitely recommend her and her services and wouldn't hesitate to use her again!

Matt Moore

2022-11-07

Highly recommend Rachel, she worked all hours to make sure I got the best rate on mortgage in these really rough times, her communication was brilliant, she explained eveything to me and updated me on eveything as she done it. Will defiantly be using Rachel for all future mortgage work. Thank you so much and for making it so easy!

Jade Robertson

2022-10-20

Really impressed with the service Rachel provided us during our re-mortgage. Nothing was too much trouble. We asked a lot of questions during the application and Rachel answered all of them quickly and professionally. We've now got a great new rate and are so happy! Best of all was the communication and keeping us updated on progress - something which was important to us. A great experience all round. Thank you very much Rachel, we'll definitely be recommending your services to our friends and family

Richard Williams

2022-07-20

Rachel has been so amazing through the process of my move. Not only did she get us a good rate she kept us informed all the way through. Rachel went above and beyond being a mortgage advisor and helped be massively when it looked like the sale wasn't going to happen. So grateful to her!

Adam Dowsett

2022-11-09

I cannot recommend Rachel enough. I understood nothing about mortgages and the whole experience seemed very overwhelming but Rachel made the whole process seamless. She is incredibly knowledgable, friendly and kept us both updated throughout the whole process. Nothing was too much trouble for her and she was constantly on hand to answer my 10,000 questions. She was very quick at getting back to us and handled every detail for us. Highly recommend! We will be using Rachel again in the future. 11/10

Sarah Thorburn

2022-09-06

Rachel has been brilliant from start to finish, in our quest for additional borrowing and product transfer on our mortgage. Having tried to get the same outcome with our existing lender and other brokers to no avail, Rachel came up trumps. Communication was excellent, it didn't matter what time of day, which allowed for flexibility outside work hours. The whole process was seamless and took weeks rather than months to complete. Very happy customers!

Katie Taylor

2022-12-01