Independent Remortgage Advice from Art of Mortgage

Whether your current mortgage deal is ending or you’re looking for a more stable interest rate, Art of Mortgage offers independent, personalised remortgage advice tailored to your needs.

Remortgaging can help you:

• Secure a better interest rate
• Switch from a variable to a fixed-rate mortgage
• Lower your monthly payments
• Release funds for home improvements or support a family member
• Consolidate debts
• Adjust your mortgage to suit life changes such as marriage or retirement

Whatever your reasons, our experienced advisers make the process simple and stress-free. We’re not tied to any lender, so we work with one goal in mind: finding the most suitable remortgage deal for you.

How We Work

We begin with a relaxed, informal conversation to understand your current financial situation and future goals. This includes reviewing:

• Your existing mortgage balance
• The current value of your property
• Your credit score
• Any changes in your personal or financial circumstances

Once we’ve gathered all the details, we use our market knowledge and tools to find a deal that suits your needs.

👉 Contact Art of Mortgage today to explore your options and get expert advice on remortgaging.

Can You Remortgage Early?

Yes, it’s possible to remortgage before your current deal ends — though you should check for any early repayment fees. Here are some reasons people remortgage early:

• To consolidate debt: Combine high-interest debts into your mortgage for potentially lower overall costs.
• To release equity: Free up funds for home improvements, large purchases, or to help family.
• To change mortgage type: Switch to a fixed-rate for more stability amid fluctuating rates.
• To pay off your mortgage early: Ideal if you’re planning for retirement.
• Due to life changes: A marriage, divorce, or new baby might prompt a more suitable deal.
• To save money: With thousands of deals available, you may find a better rate — just ensure any savings outweigh potential early exit charges.

How Long Does Remortgaging Take with Art of Mortgage?

We recommend starting the remortgage process up to six months before your current deal ends, to avoid slipping onto your lender’s Standard Variable Rate (SVR).

On average, the full process takes 6 to 12 weeks, though it can be quicker depending on legal work required.

At Art of Mortgage, we keep you informed throughout and are always available to answer your questions.

Can You Renew Your Current Mortgage Deal?

Yes, when your deal ends (typically after three or five years), you can:

• Renew with your existing lender, or
• Shop around for a new lender with better terms

If you don’t act, you’ll move to your lender’s SVR, which often comes with higher, fluctuating rates.

That’s why we recommend starting the renewal or remortgage process at least six months before your current deal expires.

Should You Switch Lenders at the End of a Fixed Term?

Your mortgage is likely your biggest financial commitment — so when your deal ends, it makes sense to compare the market. You could save money or get more favourable terms.

At Art of Mortgage, we do the research for you, scanning hundreds of lenders and managing the application process — making switching simple and stress-free.

Can I Remortgage to Buy Another Property?

Yes. If you’ve built equity in your home, you can remortgage to release funds to purchase another property. Your current home still secures the loan, but the cash raised through remortgaging can be used as a deposit or full payment for the new purchase.

Fixed-rate deals through remortgaging often have better rates compared to starting a brand-new mortgage.

Can I Release Equity When Remortgaging?

Absolutely. Releasing equity through a remortgage is a common way to:

• Fund home improvements
• Pay off other debts
• Support family
• Cover large life events like weddings or travel

At Art of Mortgage, we start with a clear understanding of your goals and financial profile. Then, we use our tools and network to determine how much you could borrow and find the best deal for your needs.