Get mortgage happy. 020 8517 1141


Why remortgage?

Answer: To pay less interest for the amount you are borrowing.

When a fixed rate mortgage deal comes to an end, the interest rate you pay on your mortgage will increase to the lenders standard variable rate. This rate is significantly higher than the fixed rate you were paying.

Six month rule

Our advice is to speak to start looking for a new mortgage deal up to six months prior to the end of your current deal. We can secure you a new mortgage at todays interest rates. If rates fall, we offer a RATE TRACK service that follows the mortgage market downwards, so you have the comfort of knowing you will complete on the lowest mortgage product available from the lender.

You could borrow up to £{{ total.toLocaleString() }}

Your monthly payments will be £{{ finalMortgage.toLocaleString() }}

Total stamp duty due will be £{{ stampduty.toLocaleString() }}

When remortgaging, you can also capital raise for almost any purpose.

Home improvements

By far the most popular reason for capital raising when remortgaging is to carry out works to your home. Whether the funds are for a loft conversion, an extension, new kitchen / bathroom or creating a dream garden to enjoy, providing you have enough equity in the property, you can raise the funds by borrowing against your home. Your advisor will discuss your options with you.

Debt consolidation

Have credit cards, loans or other commitments that you would like to pay off? Looking to increase the amount of money in your pocket every month?
Debt consolidation can help you do just that. You can borrow money against your property to pay off secured and unsecured finance subject to certain rules.
Please bear in mind, when consolidating unsecured debt like credit card debt to your mortgage, you will be securing it against your property AND you may also be paying more interest as the debt is secured over a longer period of time.
Your advisor will discuss this with you to ensure it is the best way of reducing your outgoings.

Funds to Purchase a buy-to-let

You can raise the funds required to either purchase a property or just the deposit to put down for a buy to let property.
Limited company buy to let has become a lot more popular over the last few years and we have many clients raising funds to put into a new Limited company so that they can purchase buy to let property in a potentially more tax efficient way.


The holiday of a lifetime can be saved for, but as the years go by, some clients want to fast track that holiday and decide to borrow the money against their home, spreading the cost of the term of the mortgage.
You can borrow the funds for a holiday but be mindful interest payments will increase the cost of the holiday so please factor those in. Your advisor will go through this with you.


Your own or a child’s weddings can be expensive. Borrowing a bit extra on your mortgage when remortgaging for this purpose isn’t uncommon and can help you tick all your boxes for your dream wedding day!

Gifts to family

The Bank of Family as its now called extends to parents and grandparents raising money on their own house to gift money to children and grandchildren. This could be for a wedding gift, a deposit for a house or an early inheritance as part of inheritance tax planning. If you don’t want to offer money as a gift, you can offer the money as a loan to children to purchase property which means you retain the right of repayment. Speak to our advisors for more information.

Holiday Home

Whether in the UK or abroad, a home from home is a present to yourself and great for all the family to use and spend time together. You can raise funds for a deposit to purchase a holiday or second home in the UK or raise all the funds to purchase a holiday home in cash when buying abroad.

You could borrow up to £{{ total.toLocaleString() }}

Your monthly payments will be £{{ finalMortgage.toLocaleString() }}

Total stamp duty due will be £{{ stampduty.toLocaleString() }}

Remortgage can speed up you reach your financial goals.

You are one call away from remortgaging your property.

We have access to the Whole of the Mortgage Market

Talk to our team about how we help you get on the housing ladder.

    By selecting the box, you acknowledge that you have read and understood our privacy notice and consent to its terms.

    Remember | Your home may be repossessed if you do not keep up repayments on your mortgage.
    Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

    Privacy notice

    HOME OF MORTGAGES will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information.

    Why do you need my data and what will it be used for?

    We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK.

    Who is my data shared with?

    Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details.

    How long do you keep my data for?

    We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing of your data. To do this, please contact

    What are my rights?

    You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: