Remortgages | Mortgage brokers |

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More than 1.4 million people will remortgage over the course of 2023*

FCA: 370,000 could save an average of £1,240 a year by remortgaging *

You could pay 5 times less interest by consolidating debts on your mortgage*


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How does it work
What is a remortgage?

Remortgaging means taking out a new mortgage on the same property and replacing your existing mortgage with this new one. The existing mortgage is paid off in full and closed, leaving you with a new deal in place

How does remortgaging work?

When remortgaging, the advisor will likely use the criteria you used when taking out the initial mortgage to work out the amount that can be lent. Unless you go to your original lender, you will find that your remortgage application will follow a similar process to that of your original mortgage.

The lender will therefore be looking at the mortgage balance to property value to determine the Loan-To-Value (LTV), as well as your income multiples to ensure you have the means to pay back the monthly amount for the whole loan term.

The good thing with remortgaging is that you will edge towards better deals as the LTV % decreases over time. As you remortgage, you may well move into a better bracket for borrowing at lower interest rates.

1. Complete our simple online form
1. Complete our simple online form

2. Speak to a qualified mortgage broker
2. Speak to a qualified mortgage broker

3. Take out a new mortgage tailored to your specific needs.
3. Take out a new mortgage tailored to your specific needs.

Remortgaging key benefits

Lower interest rates

If you are approaching the end or have already moved off your fixed-rate mortgage term, you are likely overpaying on interest by being on your lenders standard variable rate. The SVR is nearly always more expensive than the fixed rate offered to customers. Once your fixed-rate term ends, you are free (without incurring an early repayment charge) to remortgage and find a new fixed-rate mortgage with lower interest rates.

Release tax-free equity

If you’ve been paying off your mortgage for a few years and the value of your property has increased, then you will have accumulated equity in your property. If you need access to money you can potentially release this equity by remortgaging. This money can be used however you wish and is tax-free.

Consolidate debts

If you have debts, such as credit cards, bills, store cards and other unsecured loans, then it might be possible to release equity in your property by remortgaging, to pay off these debts. This means increasing your mortgage borrowing to pay the debts off.

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Frequently Asked Questions

Can I remortgage before my fixed term is over?
In short, yes. However, you will likely have to pay you lender an early repayment charge (ERC). This will often be a % of the outstanding mortgage balance (usually 1-5%). To avoid this fee you would wait until the fixed term is over before remortgaging. If you need to remortgage urgently and pay The ERC then speaking to an expert mortgage broker is essential to reduce your liability as best you can.
How much will remortgaging cost me?
Most mortgage brokers will charge a fixed fee for their service, which can often be incorporated into your mortgage payments rather than paid upfront if you wish. If your property has changed in value since the last time or you wish to increase your mortgage or your income has changed significantly, there may be other fees involved (legal, valuation etc)
Can I increase my borrowing?
If your affordability allows you to and there is sufficient equity in your property then you may be able to increase your mortgage balance (i.e. borrow more). Many people do this to make home renovations, clear debts or look at buying a second property.
How We Work

ClearKey sits between you and the mortgage broker.

We do not provide advice, instead we connect you with expert mortgage brokers and receive a commission based on that introduction. We specialise in making the process of receiving professional advice and custom quotes as easy as possible.We specialise in making the process of receiving professional advice and custom quotes as easy as possible.

More than 1.4 million people will remortgage over the course of 2023*
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FCA: 370,000 could save an average of £1,240 a year by remortgaging*
Click here to view source

Second charge (extra borrowing on your mortgage) increased year-on-year by 45.3% to £1.71b in 2022*
Click here to view source

You could pay 5 times less interest by consolidating debts on your mortgage*
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Because we play by the book we want to tell you that...

1. We understand equity release isn’t for everyone, and we’ll never say it’s the right option for you, that’s why we pass you onto an Expert.

2. A lifetime mortgage is a loan secured against your property. With a lifetime mortgage there are typically no monthly repayments to make as the loan, plus roll up interest, is repaid when the plan comes to an end. Usually, that’s when you, or the last remaining applicant, either passes away or moves into long-term care.

3. With a lifetime mortgage you’ll still retain full ownership of your home.

4. Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.

5. Mortgage Advice Bureau Later Life offer lifetime mortgage products from a carefully selected panel of providers.

6. Unless you decide to go ahead, Mortgage Advice Bureau Later Life’s service is completely free of charge as their fixed advice fee of £1,295 would only be payable in completion of a plan.

7. ClearKey is an independent marketing website which only acts as an introducer to companies who offer advice on various financial plans, products and services.

8. Our partners are authorised and regulated by the Financial Conduct Authority.

9. are not authorised to give any advice and we are not liable for any financial advice provided by or obtained through a third party.

10. Life insurance products attract terms and conditions. Price information contained within this website are for illustration purposes only. You will receive a full policy document upon application which will set out the terms, conditions and limitations of cover provided under the plan.

11. Your home may be at risk if you do not keep up repayments. Think carefully about securing debt against your home. When consolidating existing borrowing be aware that extending the term could increase the amount repaid.