REMORTGAGES
Review Your Mortgage With Confidence
Whether your current deal is coming to an end, you’re looking to reduce your monthly payments, borrow additional funds or simply explore your options, we’ll help you review your mortgage and recommend a solution that’s tailored to your circumstances.
Based in Dorset, providing mortgage and protection advice to clients across the UK by telephone, video and face-to-face appointments.
Advising Clients UK-Wide
Telephone, Video & Face-to-Face
YOUR REMORTGAGE JOURNEY
Helping You Find The Right Remortgage
We'll review your current mortgage, explain your options clearly and help you decide whether switching lender or securing a new deal is the right choice for your circumstances.
Review your current mortgage
We'll discuss your existing deal, future plans and whether your circumstances have changed.
Research suitable options
We'll search our comprehensive lender panel to compare products that meet your needs.
Recommend the right solution
We'll explain your options clearly and recommend the mortgage that's most suitable for your circumstances.
Manage the process
We'll support your application through to completion and keep you informed every step of the way.
WHY PEOPLE REMORTGAGE
Why Are You Thinking About Remortgaging?
Every homeowner has different goals. Whether you’re coming to the end of your fixed rate, looking to borrow more or simply reviewing your options, we’ll help you understand what may be available.
01
Your Fixed Rate Is Ending
Review your options before your current deal expires, so you can plan ahead with confidence.
02
Reduce Monthly Payments
Explore whether a different mortgage option could better suit your circumstances.
03
Borrow More
You may want to raise additional borrowing for home improvements or other planned costs.
04
Release Equity
Depending on your circumstances, remortgaging may allow you to release equity from your home.
05
Consolidate Borrowing
Where appropriate, we’ll explain the implications of consolidating borrowing into your mortgage.
Every remortgage starts with understanding your goals
We’ll explain your options clearly and recommend a solution based on your circumstances, not a one-size-fits-all approach.
WHEN TO START LOOKING
When Should You Review Your Remortgage Options?
If your current mortgage deal is coming to an end, it is usually sensible to start reviewing your options several months in advance. That gives you time to compare your existing lender’s options, consider whether switching lender may be suitable and understand any fees or early repayment charges.
Six Months Before
Start reviewing your current mortgage, any end date and whether early repayment charges may apply.
Compare Your Options
We’ll help you compare staying with your current lender against remortgaging with a new lender.
Plan Before Your Deal Ends
Planning ahead can help you avoid drifting onto your lender’s standard variable rate unintentionally.
Product Transfer
Staying with your current lender may be quicker, but it is still worth checking whether it is suitable.
Remortgage
Switching lender may give you access to different options, subject to affordability and lender criteria.
Did you know?
You may be able to secure a new mortgage deal before your current one ends, with the new deal completing at the right time. We’ll help you understand the timing and any costs involved.
UNDERSTANDING THE COSTS
What Costs Should You Consider When Remortgaging?
Remortgaging is not just about finding a new interest rate. Fees, incentives and any charges from your current lender can all affect the overall cost, so it is important to look at the full picture before making a decision.
Valuation
Some lenders include a free valuation, while others may charge depending on the mortgage product and property.
Typical examples: free lender valuation, paid valuation, automated valuationLegal Fees
Some remortgage products include legal work, although this varies between lenders and products.
Typical examples: free legal work, solicitor fees, title checksProduct Fees
Some mortgages include arrangement or product fees. We’ll help you understand the overall cost.
Typical examples: arrangement fee, product fee, added-to-loan feeEarly Repayment Charges
If you are still within your current mortgage deal, early repayment charges may apply before switching.
Typical examples: ERCs, exit fees, deal end-date considerationsBroker Fees
We’ll explain any broker fees clearly before you decide whether to proceed.
Typical examples: adviser fee, application support, mortgage reviewLender Incentives
Depending on the product, some lenders may offer incentives such as cashback or free valuations.
Typical examples: cashback, free valuation, legal incentivesBefore changing your mortgage…
The lowest interest rate is not always the lowest overall cost. We’ll help you understand the complete picture, including product fees, lender incentives and any early repayment charges, so you can make an informed decision.
YOUR REMORTGAGE JOURNEY
The Remortgage Process Explained
Every remortgage is different, but most follow a similar journey from reviewing your current deal through to completion. We’ll explain each step clearly and keep you updated throughout.
01
Review Your Current Mortgage
We’ll discuss your current deal, your goals and what you’re hoping to achieve.
02
Research Your Options
We’ll search our comprehensive panel of lenders to identify suitable options based on your circumstances.
04
Submit Your Application
We’ll prepare and submit your application and keep you updated throughout.
05
Property Valuation
Where required, your chosen lender will arrange a valuation of your property.
06
Mortgage Offer
If your application is successful, your lender will issue a formal mortgage offer.
07
Legal Work
Your solicitor or conveyancer completes the legal process where applicable.
08
Your New Mortgage Begins
Your new mortgage completes and your previous mortgage is redeemed.
We’ll keep everything on track
We’ll manage the process from application through to completion, keeping you informed at every stage so you know exactly what’s happening.
WHY CHOOSE CONRAD FINANCIAL SERVICES
Remortgage Advice That Looks At The Full Picture
A remortgage is not just about choosing a new rate. We’ll help you review your current mortgage, understand any costs or charges and compare suitable options from our comprehensive panel of lenders.
Clear, Practical Support
Whether your current deal is ending, you want to borrow more or you are considering a product transfer, we’ll help you understand what may be suitable for your circumstances.
Review Before Your Deal Ends
We’ll help you plan ahead so you understand your options before your current mortgage deal expires.
Compare Suitable Options
We’ll compare options from our comprehensive panel of lenders alongside any product transfer available from your current lender.
Understand The Overall Cost
We’ll help you look beyond the headline rate and consider fees, incentives and early repayment charges.
Support Through Completion
We’ll manage the process, keep you updated and help everything progress as smoothly as possible.
Review early. Compare clearly. Move forward with confidence.
REMORTGAGE GUIDES
Helpful Guides For Reviewing Your Mortgage
Explore guides covering remortgaging, product transfers, changing lenders, releasing equity and some of the points to consider before your current deal ends.
View All Remortgage Guides
How early should I start a remortgage?
Understand when to start a remortgage review, considering deal expiry, offer validity, early repayment charges, property valuation and application time.
Read Guide
Product transfer or remortgage: how to compare your options
Compare a product transfer with remortgaging to another lender, including rates, fees, underwriting, speed, flexibility and total cost.
Read GuideCLIENT FEEDBACK
★★★★★
Clear, Personal Advice From Start To Finish
“As first-time buyers we had no idea where to start, but Conrad Financial Services made the whole process so much easier. Everything was explained clearly, from our Agreement in Principle through to receiving our mortgage offer, and we always felt supported. Every question was answered quickly and we never felt pressured. We wouldn’t hesitate to recommend Conrad Financial Services to anyone looking for friendly, professional first-time buyer mortgage advice.”
First-Time Buyer Clients
REMORTGAGE QUESTIONS
Frequently Asked Questions About Remortgaging
Every remortgage is different, so it’s natural to have questions. Here are some of the things we’re most commonly asked. If you can’t find the answer you’re looking for, we’re always happy to help.
Ask Us About Remortgaging
Whether your fixed rate is ending, you want to borrow more or you are comparing a product transfer against a remortgage, we’ll explain your options clearly.
Need clarity?
Need Help With Your Mortgage?
Not sure which mortgage option is right for you? Book an initial conversation and we’ll help you understand the next steps.
When should I start looking for a remortgage?
Can I stay with my current lender?
Will I need a valuation?
Are there fees when remortgaging?
Can I borrow more when I remortgage?
Will checking my options affect my credit score?
How long does a remortgage take?
How do I know which mortgage is right for me?
LET'S START THE CONVERSATION
Ready To Discuss Your Mortgage?
Whether you’re buying your first home, moving house, remortgaging or looking for specialist mortgage advice, send us a few details and we’ll get back to you.
- Comprehensive lender panel mortgage advice
- Telephone, video and face-to-face appointments
- Dorset based, supporting clients across the UK
- Usually respond within one working day
READY TO TAKE THE NEXT STEP?
Let’s Talk About Your Mortgage & Protection Plans.
Whether you’re buying your first home, moving house, remortgaging, self-employed, a company director or looking to protect your family, we’re here to help you make confident decisions.