Remortgage

Advice, reassurance and support, every step of the way.

Are you paying too much for your mortgage?

Does your current deal no longer suit your budget or personal circumstances?

There are many reasons why you may wish to remortgage your home.

You may want to:

  • Reduce monthly mortgage payments by getting a better rate

  • Raise capital (extra funds) for personal reasons

  • Raise capital to purchase a second/holiday home abroad

By switching to a new mortgage – also known as a remortgage – can be one of the most suitable money-saving moves you can make. At TGD Mortgages, our expert advice can help you compare remortgage deals across the whole of the mortgage market to help find you the most suitable and cost effective deal for your circumstances.

In addition to this we will also manage your application from start to finish, saving you time and hassle.

Think carefully about securing other debts against your home. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Remortgage FAQs

  • A remortgage is when you switch your existing mortgage to a new deal, either with your current lender or a new one. It can help you secure a better interest rate, reduce monthly payments, or release equity from your home.

  • You should consider remortgaging if:

    • Your current mortgage deal is ending.

    • You want a lower interest rate.

    • You need to release equity for home improvements, debt consolidation, or other expenses.

    • Your financial situation has changed, and your current mortgage no longer suits you.

  • Yes, you can remortgage to raise additional funds for home improvements, purchasing another property, or other personal reasons. We’ll help you explore your options and find the best deal.

  • There may be fees involved, including arrangement fees, valuation fees, and legal fees. Some lenders offer free valuations and legal services as part of their remortgage deals. We’ll review all costs to ensure you get the most cost-effective option.

  • The remortgage process typically takes 4–8 weeks, but it can be quicker if you’re staying with your current lender. We’ll handle the entire process to ensure a smooth transition.

  • Yes, some lenders offer remortgage options for those with bad credit. Your eligibility will depend on your credit history, income, and equity in your home. We’ll assess your situation and find suitable lenders.

  • Yes, but leaving your current mortgage before the end of a fixed term may result in early repayment charges. We’ll help you weigh up the costs and benefits before making a decision.

  • A remortgage involves switching to a new lender, while a product transfer keeps you with your existing lender but on a new deal. We’ll compare both options to find the best solution for you.

  • Yes, remortgaging can allow you to consolidate debts by securing them against your home. However, this should be carefully considered, as it could mean extending your debt over a longer period. We’ll help you explore the pros and cons.

  • We offer whole-of-market advice, ensuring you get access to the best remortgage deals available. We handle the entire process, saving you time and stress while securing a mortgage that fits your needs.

Time to remortgage?

Whether you're looking for a better rate or releasing equity, TGD Mortgages will find the best deal for you. Contact us today for a free, no-obligation initial consultation!

Call +44 (0)7919 554847

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Read our Google customer reviews

  • boqer123

    “Was having a hard time getting a mortgage through my bank, so a friend of mine put me onto Tom with TGD Mortgages. He instantly reassured me, and within a short meeting and some info, he managed to secure us a mortgage for the amount we were after. He's got great knowledge, always guides you the right way and has offered some really valuable advice. Highly recommend, especially if you're a business owner or self employed.”

  • Francis Fellows

    “Fantastic service, answered all my questions quickly and was extremely helpful! Would 100% recommend”

  • Sam Hemmings

    “I can’t recommend TGD Mortgages highly enough. Tom was professional, knowledgeable, and always available to answer my questions. If you're looking for a mortgage advisor near Stonehouse or Stroud, I can strongly recommend. They went above and beyond to secure the best deal for me and provided expert guidance tailored to my needs. Thanks for your help!”

  • Chloe Tabberer

    “Tom has been great from the get go. He provided our mortgage in principle at a very speedy rate, which sped up having our offer accepted on a property. He then did our mortgage application within a matter of a working day.”

  • Michele Carboni

    “Tom was super helpful in helping me and my wife securing a mortgage despite me having just changed job at the time. He also supported us with all the insurances and with finding a good solicitor! He was also really patient with all our silly questions, being first time buyers :)”

  • Pete Soteriou

    “Tom has been an exceptional mortgage adviser for us as first time buyers. He's left no stone unturned and has been professional throughout. I couldn't recommend him more.”

  • Amanda Rolfe

    “Amazing service! Tom is super helpful and really easy to speak to which counts for a lot with me :). Cannot recommend him more and have already given his number to a work colleague!”

  • Chloe Yorke

    “Tom does all my mortgages! Buy to let and personal. He knows his stuff! Also just a nice trustworthy guy who will go out of his way to help.’

  • Sam Crow

    “Tom provided excellent advice and support throughout my remortgage and transfer of equity. He was a huge help at a stressful time, can't recommend him enough.”

  • Ruth Hadley

    “From start to finish Tom was extremely attentive and he was always there at the end of the phone if I had any questions. Tom is very knowledgeable and I would certainly recommend him to any of my family or friends. He is very personable and very down to earth. Thank you for all your help (and patience)!”

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