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Remortgage

At Citrine Mortgages, we provide remortgage advice, helping you understand your options clearly and secure a deal that suits your current needs – not just your original situation.

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Whole-of-market advice

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Remortgage Advice In Stratford Upon Avon

If your current mortgage deal is coming to an end, or your circumstances have changed, remortgaging could help you save money, reduce your monthly payments, or unlock funds from your property.

However, many homeowners don’t realise that doing nothing can result in being moved onto a much higher rate — potentially costing thousands over time.

Remortgaging also gives you the opportunity to review whether your current mortgage still suits your needs and financial goals. Whether you’re looking for greater flexibility, improved rates, or additional borrowing, reviewing your options early can help you make more informed financial decisions and avoid unnecessary costs.

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

What Is Remortgaging?

Remortgaging is the process of switching your existing mortgage to a new deal – either with your current lender or a different one.

Many homeowners choose to remortgage when their current mortgage deal is coming to an end, helping them avoid being moved onto their lender’s standard variable rate (SVR), which is often higher and could increase monthly repayments. People remortgage for a variety of reasons, including:

Securing a better interest rate

Reducing monthly mortgage payments

Avoiding higher costs when a fixed deal ends

Because mortgage deals don’t last forever, regularly reviewing your mortgage options is important to ensure your current deal still suits your needs and offers good value. 

Think carefully before securing other debts against your home. The overall cost of repayment of other debts might be more when added to your mortgage. Your home might be repossessed if you do not keep up repayments on your mortgage.

When Should You Remortgage?

Timing is one of the most important factors when it comes to remortgaging.The most common times to remortgage include:

When Your Fixed Rate Is Ending – Most mortgages start with a fixed-rate deal lasting 2, 3, or 5 years. When this ends, you’ll usually be moved onto your lender’s standard variable rate (SVR).

To Avoid the Standard Variable Rate (SVR) – SVR rates can significantly increase your monthly payments. Remortgaging before your deal ends helps you avoid this.

If Your Circumstances Have Changed – You may want to remortgage if your income has increased, you want to reduce monthly payments or if you need more flexibility.

To Release Equity – If your property has increased in value, you may be able to remortgage and release funds for home improvements, debt consolidation and other investments.

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Step-by-Step on How to remortgage

Understanding the process makes everything feel far more manageable. Here’s how it typically works:

1

Review Your Current Deal

We assess your existing mortgage, including rates and any early repayment charges.

2

Review your options

We take the time to understand your current circumstances and what you want to achieve.

3

Compare Options

We search the market to find suitable deals based on your current situation.

4

Agreement in Principle

This gives an indication of what you can borrow and confirms eligibility.

5

Submit Your Application

We handle the application process and liaise with lenders on your behalf.

6

Valuation & Legal Work

The lender may carry out a property valuation, and legal work is completed.

7

Completion

Your new mortgage replaces your existing one, and your new deal begins.

What happens if you dont remortgage

If you don’t take action when your deal ends, you’ll typically be moved onto your lender’s SVR.

This can result in:

Higher interest rates

Increased monthly payments

Less predictable costs

For example, even a small rate increase can add hundreds of pounds per year to your mortgage.

Reviewing your mortgage early can help you avoid unnecessary costs.

How much can you save by remortgaging

The amount you could save depends on:

Your current interest rate

The deals currently available

Your remaining mortgage balance

Example: If your mortgage moves from a competitive fixed rate to a higher SVR, your monthly payments could increase significantly. Switching to a better deal could help reduce these costs.

Even if rates have changed since you first took out your mortgage, there may still be more suitable options available. We compare deals across a wide range of lenders to help you find the most cost-effective solution.

Costs of Remortgaging

While remortgaging can save money, there are some costs to consider:

Common costs include:

Arrangement fees (for new mortgage products)

Valuation fees

Legal fees (sometimes included in deals)

Early repayment charges (ERCs)

We’ll always help you weigh these costs against potential savings to ensure it’s the right decision.

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Can you Remortgage early?

Yes – but it depends on your current mortgage deal.

Many mortgages include early repayment charges (ERCs) if you switch before your deal ends.

It may still be worth remortgaging early if:

The savings outweigh the charges

Your current rate is significantly higher

Your circumstances have changed

We’ll calculate whether switching early makes financial sense for you.

Remortgaging to release equity

If your property has increased in value, you may be able to access some of that value through remortgaging. Common reasons include:

Funding home improvements

Consolidating existing debts

Supporting other financial goals

However, this increases your mortgage balance, so it’s important to consider the long-term impact. We’ll help you decide whether releasing equity is the right option.

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Common remortgage Mistakes To Avoid

One of the most common remortgage mistakes is waiting too long to review your deal, which can result in being moved onto a higher standard variable rate. Many homeowners also focus only on the interest rate without considering fees, flexibility, or whether the mortgage still suits their current needs.

At Citrine Mortgages, we help you understand your options clearly and avoid costly mistakes by providing tailored, remortgage advice.

Why Choose Citrine for remortgage advice

At Citrine Mortgages, we help you find remortgage deals suited to your current needs and future goals.

As mortgage advisors, we search across a comprehensive range of lenders while providing honest advice and clear communication throughout the process.

With Citrine Mortgages, you’ll benefit from:

Whole-of-market mortgage advice

Tailored recommendations based on your circumstances

Support from application through to completion

Flexible appointments to suit your schedule

Speak to a Remortgage advisor in Stratford upon avon

If your mortgage deal is coming to an end – or you’re simply unsure if you’re on the best rate – now is the time to review your options.

At Citrine Mortgages, we provide clear, advice to help you make the right decision.

No pressure

Flexible appointments

Expert guidance

Book your free initial consultation today and make sure you’re not overpaying on your mortgage.

Frequently Asked Questions

Typically between 4–8 weeks, depending on the lender and your circumstances.

Yes, although options may be more limited. We can help you find lenders suited to your situation.

*The interest rate is likely to be higher and the application process may be more complex.

In most cases, yes — although some lenders include legal services as part of the deal.

Yes, this is known as a product transfer. However, better deals may be available elsewhere.

You can usually begin looking at remortgage options around 3–6 months before your current deal ends.

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