REMORTGAGES

Coming to the end of your
mortgage deal? Let’s
explore your options.

Whether you’re looking to reduce your monthly payments, borrow
more, release equity or simply review your current mortgage,
we’ll compare thousands of mortgage products to help you find
the right solution.

✔ Whole of Market Mortgage Advice
✔ Free Consultation
✔ Personal Advice Tailored to You

Book Your Free Consultation

Why Do People Remortgage?

Everyone’s circumstances are different. Here are some of the most common reasons homeowners choose to review their mortgage.

📅
My fixed rate is ending

Review your mortgage before moving onto your lender’s Standard Variable Rate.

💷
I want to Reduce my monthly payments

We’ll compare suitable options that could help reduce your monthly mortgage costs.

🔄
My circumstances have changed

Whether staying with your current lender or moving to a new one, we’ll explain your options.

🏠
I need to borrow more

Use the value built up in your home to fund improvements or other significant expenses.

Why Choose Liberty Money for Your Remortgage?

Independent mortgage advice

We’ll review your current mortgage and compare suitable options from a wide range of high street and specialist lenders.

Clear comparison of your options

We’ll explain whether a remortgage, product transfer or another route may be more appropriate for your circumstances.

Support from review to completion

We’ll manage the application, liaise with the lender and keep you updated throughout the process.

Advice tailored to your plans

Whether your fixed rate is ending, you want to reduce costs or release equity, we’ll shape the recommendation around your needs.

Costs to Consider When Remortgaging

We’ll explain every cost upfront, so there are no surprises. Many remortgages include free valuations, free legal work or cashback, but every lender is different. We’ll compare the overall cost, not just the interest rate.

Early Repayment Charges

We’ll check whether leaving your current mortgage early is worthwhile.

Cashback & Incentives

Cashback, free valuations and legal packages can all reduce your costs.

Valuation Fees

Many lenders offer free valuations, although some require a paid assessment.

Legal Fees

Many lenders include free standard legal work or cashback.

Adviser Fees

We’ll explain any adviser fees before you proceed.

Product Fees

We’ll compare fee-free and fee-paying products to find the best overall value.

Remortgage or Product Transfer?

When your current mortgage deal is coming to an end, you may have the option to take a new deal with your existing lender, known as a product transfer, or remortgage to a different lender.

A product transfer can sometimes be a straightforward option, particularly where your circumstances have changed or you don’t want to move lender. However, it is worth considering the wider mortgage market before deciding which route to take.

We can help you understand the options available and whether remaining with your current lender or considering a remortgage may be appropriate for your circumstances.

Frequently Asked Questions

Ideally, you should begin reviewing your mortgage around six months before your current deal ends. This gives you plenty of time to compare options and, in many cases, secure a new rate in advance while remaining free to change it if better products become available.

Yes, although your current lender may charge an Early Repayment Charge (ERC) if you leave before your fixed or discounted period ends. We’ll calculate whether the savings from remortgaging outweigh any costs and advise you on the best timing.

This depends on your income, outgoings, property value and the lender’s affordability assessment. If you’re looking to raise additional funds for home improvements, debt consolidation or another purpose, we’ll explain what’s possible and compare suitable options.

Yes. If your property has increased in value or you’ve built up equity over time, you may be able to borrow additional funds when you remortgage. Many homeowners do this to fund home improvements, purchase another property or cover other significant expenses.

In many cases, yes, although many lenders now offer free desktop or automated valuations, meaning a physical inspection isn’t always required. If a full valuation is needed, we’ll let you know at the outset.

Usually, yes. However, many lenders provide free standard legal services as part of their remortgage products. If separate legal work is required, we’ll explain the costs before you proceed.

Absolutely. Many lenders are happy to consider self-employed applicants, provided they can demonstrate a sustainable income. We’ll recommend lenders whose criteria best match your circumstances.

Potentially, yes. The options available will depend on the type, age and severity of any adverse credit. We work with both high street and specialist lenders and will help you understand what’s achievable.

Not usually. The process is often more straightforward than people expect. We’ll handle the application, liaise with the lender and solicitor where required, and keep you informed from start to finish.

Not necessarily. Sometimes your existing lender offers the most suitable option, while in other cases moving to a new lender could provide greater savings or flexibility. We’ll compare both routes so you can make an informed decision.

Ready to Review Your Mortgage?

Let’s find out whether your current deal is still the right one for you.

Whether you’re looking to save money, release equity or simply prepare for the end of your fixed rate, we’re here to make the process straightforward. We’ll compare suitable options, explain everything clearly and support you from your initial enquiry through to completion.

Book Your Free Consultation

Explore Related Mortgage Guides

Many of our clients explore more than one mortgage option before deciding what’s right for them. Here are some related guides that may also be useful.

Further Borrowing

Need extra funds? Explore your options for borrowing more against your property.

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Remortgages

Coming to the end of your current deal? Compare whether switching products with your existing lender is the right option..

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Income Protection

Help protect your income and keep your mortgage payments covered if you’re unable to work.

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