Remortgages
✓ Secure a competitive interest rate on your remortgage
✓ Enjoy a smooth and hassle-free process
✓ Rely on Unicorn Mortgages & Protection for a fast and friendly service
Book your free 30-min call with one of our mortgage advisers at a time that best suits you
Whether you’re looking for a bigger mortgage, or your current fixed rate is coming to an end, we can help!
Time for renewal
Secure a new mortgage deal before your current fixed rate comes to an end.
Debt consolidation
Borrow additional funds to clear high-interest credit cards and personal loans.
Home improvements
Borrow additional funds to make home improvements and increase the value of your property.
Remortgaging FAQs
Here are some common questions and answers, alternatively you can call us on 01234 567 890
What is remortgaging?
Remortgaging is when you change the mortgage on your current home, or on a new property purchase, to a different lender.
What is a product transfer?
When looking at your remortgage options and comparing products it might be best to stay with your existing lender. This would be called a product transfer rather than a remortgage.
Why do people remortgage or do a product transfer?
There are several reasons why people remortgage, the most common reason is because their current fixed rate is coming to an end. Other reasons include:
- Debt consolidation to pay off high-interest credit cards and loans
- Borrow more money to make home improvements
- To reduce their mortgage term so they will be mortgage-free sooner
- To exit their current deal and move to a product with a lower rate and lower monthly repayments, although this will probably incur an early repayment charge
- They are moving home and are unable to port their existing mortgage over to newproperty and/or require additional borrowing to complete the purchase
- To release equity from their home to purchase a second property
- To add or remove someone from the mortgage deeds, for example if a couple separate
No matter your circumstances, our mortgage brokers have the knowledge and experience to
help you secure the most suitable and affordable remortgage product.
Our Top Tips for Remortgaging
1
Did you know, in some cases you can lock in a new mortgage rate up to 6 months in advance! This can be particularly beneficial when interest rates are rising fast.
2
Pick your remortgage date carefully to avoid early repayment charges when exiting your current deal - we can help to ensure there is a smooth transition from one lender to another.
3
In most cases, the lower your loan-to-value, the better the interest rate. You can decrease your loan-to-value by borrowing less, putting down a bigger deposit or seeking a higher valuation on your property.
