Clear, personal remortgage advice to help you review your mortgage, reduce costs, or release funds, based on your circumstances, not just the rate.
Remortgaging can be an opportunity to review whether your mortgage still fits your life — not just whether the interest rate is competitive. Changes to income, property value, future plans, or borrowing needs can all affect whether switching lender, staying put, or adjusting your mortgage is the right move.
At ME, we take a clear, practical approach to remortgage advice, helping you understand your options and the long-term impact before you make a decision.
When reviewing your remortgage options, we focus on three key areas that shape the right outcome:
Understanding your current property value and available equity.
We’ll help you understand your current property value and how much equity you have available. This forms the foundation of your remortgage options, whether you’re looking to reduce payments, release funds, or secure a better deal.
Understanding your current property value and available equity.
Your circumstances may have changed since you last arranged your mortgage. We’ll review your income, commitments, and affordability to confirm how much you can borrow now and whether additional borrowing is possible.
Comparing remortgage options, product transfers, and long-term costs.
We then search up to 100 mortgage lenders to help find the right mortgage for you. We will explain all the costs of the mortgage and other factors to think about to ensure you understand everything.
Other important things to think about when choosing to remortgage
Changes to your income, employment, family situation, or outgoings can all affect your remortgage options. Reviewing these early helps ensure your mortgage still fits your needs.
Some homeowners remortgage to reduce monthly payments, others to release funds for home improvements or other plans. We’ll help you understand how changes to term, rate, or borrowing amount affect the long-term cost.
With base rate changes often in the news, the right deal isn’t always just the lowest rate. We’ll explain how fees, incentives, and rate types impact your overall cost — now and in the future.
In some cases, moving your mortgage isn’t the right advice. A product transfer with your existing lender can offer a simpler solution with lower costs and no full application. We’ll help you compare both options so you can decide what’s best for your situation.
Remortgaging isn’t just about finding a lower rate. It’s about making sure your mortgage still fits your circumstances, goals, and long-term plans. We take the time to review the full picture before recommending the right next step.
Your circumstances may have changed since you last arranged your mortgage. We review your income, outgoings, property value, and future plans to ensure any remortgage recommendation is suitable — not just affordable on paper.
We compare a wide range of remortgage options across the market and also assess whether staying with your existing lender via a product transfer could be a better solution. This ensures you understand all your options before making a decision.
We explain rates, fees, incentives, and long-term costs in plain English, so you can make an informed choice with confidence. If remortgaging isn’t the right advice, we’ll tell you — and help you understand why.
Looking to secure the best mortgage for your new home? We’re here to help! Our simple and straightforward process makes it easy to get a personalized quote tailored to your needs. Let us guide you every step of the way toward financial security.
Answers to some common questions we hear when talking to clients about remortgaging their home.
Most homeowners can start reviewing their remortgage options around six months before their current deal ends. This allows time to secure a new rate early and avoid moving onto a higher standard variable rate (SVR).
No. In some cases, staying with your existing lender via a product transfer may be the most suitable option. We’ll review both switching lenders and staying put, so you can compare costs, flexibility, and long-term value.
Possibly. If your income, property value, or circumstances have changed, you may be able to raise additional funds for purposes such as home improvements or other plans. We’ll assess affordability and explain the impact on your repayments and overall cost.
Yes. Changes to your income, employment, credit history, or household outgoings can all affect what lenders will offer. That’s why we review your situation fully before recommending whether remortgaging is the right move.
Not always. In some situations, remaining on your current deal or choosing a product transfer may be more suitable. Our role is to help you understand all available options — including when not to change anything.
Yes. If you’ve experienced changes such as missed payments or other credit issues, we can review lenders whose criteria may be more flexible and explain what options are realistically available.
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