Remortgage Advice Stratford-Upon-Avon

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.

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.

We're 5 Star Rated

    
 
 
       Posted on Google  
    Sam Taylor 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Citrine Mortgages highly enough. Nicole has been absolutely brilliant in helping us secure the mortgage for our new home. From start to finish she was patient, knowledgeable, and incredibly supportive throughout what could have been a stressful process. She was proactive and persistent in chasing everything needed, which gave us real confidence that nothing was being missed and that the process was always moving in the right direction. Her professionalism, attention to detail, and genuinely helpful approach made a huge difference. We felt supported at every step and always knew we were in safe hands. I would happily recommend Citrine Mortgages
  
 
      Posted on Google  
    Lauryn Campbell 
 
 
 
 Trustindex verifies that the original source of the review is Google. As a first-time buyer, I genuinely could not have done it without Jo Haddock. Jo was exceptional at explaining every stage of the process and made what could have been overwhelming feel simple and manageable. She found the best rates not only for my mortgage but also for the various insurances I needed. Jo is incredibly friendly, knowledgeable and patient, and her support made the entire experience so much easier. She was always responsive with quick turnarounds, which made a huge difference. I cannot recommend her highly enough.
  
 
      Posted on Google  
    Lucian Egege 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an excellent experience working with Jo Haddock as my mortgage adviser. Jo was knowledgeable, approachable, and dedicated to finding the best interest rates available. Her clear communication and professionalism made the entire process smooth and stress-free. I would highly recommend Jo to anyone seeking expert mortgage advice.
  
 
      Posted on Google  
    Lauren Platt 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nicole was honestly so amazing during our house buying journey. She was available whenever we needed her and was so supportive with any of our issues. She is prompt with responses and tries her absolute best to answer any questions. (no matter how stupid you may think they are) Thank you so much for making our home buying journey as comfortable as possible.
  
 
      Posted on Google  
    Chris Peedell 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nicole was absolutely fantastic. She gave us lots of options and helped us understand what was the most appropriate product too. Super quick with responses to question and queries. We couldn't recommend Citrine and Nicole enough.
  
 
      Posted on Google  
    Ben Wylie 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nicole was fantastic throughout our home purchase process. She was very knowledgeable and always available to answer our questions regarding mortgages and also insurance. Thank you Nicole!
  
 
      Posted on Google  
    claire sturrock 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nicole is an excellent financial advisor who has taken a lot of time in arranging a remortgage for me. Nicole has explained everything each step of the way and has been had been extremely communicative throughout the remortgage process. I thoroughly recommend her and will definitely be using her company again in the future.
  
 
      Posted on Google  
    Philip Astéri 
 
 
 
 Trustindex verifies that the original source of the review is Google. We used Nicole at Citrine Mortgages to arrange a new mortgage for a house move and we couldn’t recommend her more. She was extremely helpful and knowledgeable and made the whole process feel very easy and stress free. Thanks to Nicole we have managed to purchase our dream home and we couldn’t be happier! Thank you for all of your help Nicole, we couldn’t have done it without you!
  
 
      Posted on Google  
    Aimi Pomeroy 
 
 
 
 Trustindex verifies that the original source of the review is Google. I contacted Nicole after being served notice on our rental property. This was our first home we were looking to purchase and we had no idea of the process until Nicole came to our rescue. Her confidence, professionalism and hard work meant that we will able to complete our house purchase within 4 months during a global pandemic! Any questions we had Nicole was there, she guided us through every hoop we had to jump through and there's no way we could of done this without her. She made a very stressful time less stressful! I will 100% be recommending her to any friends or family who maybe moving in the future and we will be definitely be using her services again when the time comes. Thank you again Nicole !
  
 
      Posted on Google  
    suzie windscheffel 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nicole is extremely personable and knowledgeable of all financial aspects.

Step-by-Step on How to remortgage

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

Review Your Current Deal

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

Review your options

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

Compare Options

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

Agreement in Principle

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

Submit Your Application

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

Valuation & Legal Work

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

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.

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.

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.

Remortgage

Access to over 70+ lenders

Whole-of-market advice

No pressure, personalised guidance

Quick Quote

Remortgage Advice In Stratford Upon Avon

What Is Remortgaging?

When Should You Remortgage?

We're 5 Star Rated

Step-by-Step on How to remortgage

Review Your Current Deal

Review your options

Compare Options

Agreement in Principle

Submit Your Application

Valuation & Legal Work

Completion

What happens if you dont remortgage

How much can you save by remortgaging

Costs of Remortgaging

Can you Remortgage early?

Remortgaging to release equity

Common remortgage Mistakes To Avoid

Why Choose Citrine for remortgage advice

Speak to a Remortgage advisor in Stratford upon avon

Frequently Asked Questions

How long does remortgaging take?

Can I remortgage with bad credit?

Do I need a solicitor to remortgage?

Can I stay with my current lender?

How early can I start the process?

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