Re-mortgage advice

Happy New Mortgage.

When your current deal is coming to an end, let us surprise you with a great new mortgage deal.

At Moat Mortgages, we compare hundreds of mortgage deals across the market to find one with a delightful rate that suits you perfectly.

Plus, we’ll handle all the paperwork and make the whole process simple, so you get to switch without any stress.

How we help:

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Free and friendly remortgage advice

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Whole-of-market mortgage searched

•

Finding the best deal to suit you

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Options to release equity if needed

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Personal guidance from start to completion

New bathroom?
Splash out with a remortgage.

Remortgaging isn’t just about securing a rate to celebrate.

If your home has gone up in value, remortgaging could let you release some of that extra equity and invest further in your home.

Or because mortgage rates are often lower than credit cards and personal loans, it can be a smart way to tidy up expensive debts.

You could use it for:

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Home improvements or renovations

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A new kitchen, bathroom, extension, or upgrades

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Consolidating credit cards or other high-interest debts

•

A holiday of a lifetime

Think carefully before securing other debts against your home as your home may be repossessed if you do not keep up repayments on your mortgage; while borrowing more or consolidating debt can reduce your monthly outgoings, it will likely increase the total interest you pay and the length of time you are in debt.

So it’s important to get the right advice.

Relax. That’s what we’re here for.

Remortgaging needn’t be a mammoth task.

Ideally, you should start reviewing your options three to six months before your deal expires; if you leave it too late, your choices may be limited, and it could cost you.

So, don’t miss out. Set up a Moat Remortgage Reminder.

We’ll remember when your existing mortgage ends and then get in touch 6 months before to help you find the best deal.

Remortgage FAQs.

What is a remortgage?

A remortgage means switching your existing mortgage to a new deal, either with your current lender or a different one. Homeowners often remortgage to secure a lower interest rate, reduce monthly payments, or release equity from their home.

When should I start looking for a remortgage?

It’s usually best to review remortgage options 3–6 months before your current mortgage deal ends. This allows time to secure a new rate before moving onto your lender’s standard variable rate (SVR), which is often higher.

Can I remortgage with my current lender?

Yes. This is known as a product transfer, where you switch to a new deal with your existing lender. While this can be quick and simple, comparing the wider market may reveal better mortgage deals with other lenders.

Can I remortgage early?

Yes, but you may need to pay early repayment charges (ERCs) if your current mortgage deal hasn’t ended. A mortgage adviser can help calculate whether switching early could still save you money overall.

Can I release equity when remortgaging?

If your property has increased in value, you may be able to borrow additional funds against your home. This is known as releasing equity and is often used for home improvements, renovations, or consolidating higher-interest debts.

How long does a remortgage take?

The remortgage process usually takes 2–6 weeks from application to completion, although this can vary depending on the lender and whether a property valuation is required.

Do I need a solicitor to remortgage?

Often yes, but many remortgage deals include free legal services and valuations, which can make the process quicker and reduce costs.

Contact Moat

Fear not, first-time buyers.

Our mortgage experts are on the line waiting for your call.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Fear not, first-time buyers.

Our mortgage experts are on the line waiting for your call.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Fear not, first-time buyers.

Our mortgage experts are on the line waiting for your call.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Fear not, first-time buyers.

Our mortgage experts are on the line waiting for your call.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The right advice for free

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moat Mortgages is a trading name of Hazelwood Financial Services, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 303934. Registered Address: 12 Hamlet Hill, Roydon, Essex, CM19 5LA

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The right advice for free