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Is your current mortgage as competitive as the best new deals on the market today? New products, new rates and better deals appear all the time, meaning there could be huge potential for homeowners to get better value somewhere else. Regular mortgage reviews are an effective way of keeping an eye on the current market and could save you money in the long run.


There are many different reasons why you may want to remortgage:

  • To obtain a more competitive rate and deal than the one you have

  • To obtain a more flexible deal, as some mortgages now have additional flexible features than they used to. These include allowing you to overpay, underpay, take payment holidays, repay capital lump sums and change the term of your mortgage

  • To raise extra money. You may want to spend this on home improvements or to help your children get on the property ladder

  • To move to a mainstream mortgage. If you have an expensive mortgage, perhaps because you had a poor credit history or are self-employed, you may be able to remortgage to a cheaper standard mortgage when your circumstances change

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