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When your fixed-term mortgage expires, remortgaging can help you avoid being moved to the standard variable rate—essentially refinancing your home. Here are a few reasons why you might consider remortgaging:
Lower Monthly Payments: Switching to a lower interest rate can reduce your monthly payments.
Access Home Equity: If your home’s value has increased over time, remortgaging can help you unlock that equity.
Debt Consolidation: If you're managing multiple debts, remortgaging can consolidate them into one more manageable monthly payment.
How Does Remortgaging Work?
Remortgaging starts with an Agreement in Principle (AIP), similar to when you first took out your mortgage. If you’re working with a broker, we’ll assess your financial situation and present tailored remortgage options. We’ll then find the best deals from our lender network, explain your new monthly payments, and help you switch to the new mortgage once you’re happy with the offer.
Check your current deal
Check your current mortgage rate, the type of mortgage you have and how long you have left to pay.
Speak to a mortgage broker
We will talk to you about your circumstances and determine if remortgaging is the right choice for you.
Apply for the new mortgage
AJL manage your application every step of the way and keep you updated on its progress from the initial application through to an offer of acceptance.
Completion and Transfer
The process of a remortgage is similar to buying a new property, with a solicitor handling the transfer of the mortgage.
FAQ: Remortgages
How does AJL Mortgages work?
At AJL Mortgages, we simplify the home-buying process with expert guidance, ensuring you receive professional support every step of the way.
As an award-winning broker, we offer free mortgage and protection advice tailored to both first-time buyers and seasoned investors. Trust AJL Mortgages for a smooth, stress-free home-buying experience.
We'll review your current circumstances and property goals, evaluating your borrowing capacity to help identify the most suitable mortgage lenders.
An AIP provides an estimate of your borrowing power. With this in hand, you can confidently explore properties within your budget and make informed offers.
After your offer is accepted, we recommend the most suitable lenders and mortgage products. We manage every detail of your mortgage application to ensure a seamless experience.
Book A Free 15 Min Call to Review Your Options
Reviews
We wouldn’t be where we are without our incredible clients. We take pride in building genuine, one-on-one relationships, offering tailored mortgage advice that suits each individual’s needs.
Brilliant service, kept us up to date throughout the whole process, As a first time buyer this was stressful for me and my partner and Alex made sure we understood the process every step of the way. Will 100% use AJL when needed next.
I approached Alex and the team at AJL after being recommended by a friend. My property was coming towards the end of the two year fixed deal and I wanted to explore options, Alex gave me comprehensive advice and helped me secure a new deal that saves me a fortune vs what the bank offered. I also renewed some insurance and increased my cover for a lower monthly payment, WORK THAT OUT! Great service.
I recently used AJL to swap my tracker mortgage to a fixed product. Very streamlined process and the meeting over teams certainly made everything feel very relaxed and easy. See you in 2 years!
