Mortgage
Remortgaging Made Clear
Remortgaging can be a way to review your current mortgage, whether you’re looking to change your monthly payments, release funds, or move to a different interest rate. If you’re considering remortgaging, I’ll guide you through the process, review your existing mortgage, and help you understand the options available based on your circumstances
Remortgaging can be a useful way to reduce monthly payments, release equity or move onto a more suitable deal.
I help clients review their existing mortgage, understand their options and decide whether remortgaging makes sense for their situation. This includes looking at interest rates, fees, lender criteria and any early repayment charges that may apply.
You’ll get clear explanations and practical guidance so you can make an informed decision, whether that’s switching lender, staying where you are or waiting until a better time to act.
The focus is on clarity and suitability, not unnecessary changes.
1. What is a remortgage?
A remortgage is when you move your existing mortgage to a new deal, either with your current lender or a different one. This can be done to secure a better rate, release equity or change the terms of your mortgage.
2. Why might I remortgage?
People remortgage for different reasons, including reducing monthly payments, releasing funds for other purposes or switching to a more suitable product when a fixed rate is ending.
3. When is the best time to remortgage?
Many borrowers start reviewing options around three to six months before their current deal ends. This allows time to secure a new rate without rushing and avoid moving onto a lender’s standard variable rate.
4. Can I remortgage with bad credit?
It may still be possible, depending on the type and timing of any credit issues. Lender criteria varies, so it’s important to review your circumstances before making assumptions.
First-Time Buyer
Buying your first home can feel overwhelming, but the right mortgage can make everything much easier. As a first-time buyer, you may have access to products designed specifically for new homeowners, including lower deposit options and competitive rates.
I’ll walk you through each step—from understanding your choices to securing a deal that suits your budget—so you can start your homeownership journey with confidence and clarity.
Home Mover
Remortgaging can be a smart way to improve your current mortgage and strengthen your finances. Whether you want to lower your monthly payments, release some extra funds, or secure a better rate, I’ll help you understand your options clearly.
I’ll compare the latest deals, look at your individual goals, and guide you through the process so you can choose a remortgage that genuinely improves your financial position.
Buy-To-Let
Investing in rental property means choosing a mortgage that’s built for property investors. Buy-to-let mortgages are designed with rental income and long-term returns in mind, often allowing for higher borrowing based on expected rental earnings.
I’ll help you find the right buy-to-let mortgage to support your investment plans, maximise your returns, and make sure your rental property goals are set up for success.
Remortgage
If you’re moving home, getting the right mortgage in place is key to making the transition smooth and stress-free. Home mover mortgages are designed to give you the flexibility you need when upgrading or relocating, and I’m here to help you find the option that fits your plans.
I’ll guide you through the market, compare the best deals.
Equity Release
Equity release gives you the opportunity to unlock some of the value in your home while still living in it. Whether you want a lump sum or a regular income, it can be a useful way to support your retirement plans, cover unexpected costs, or fund home improvements.
I’ll walk you through the different equity release options, explain everything in plain English.
Bad Credit Mortgages
A less-than-perfect credit history doesn’t have to stand in the way of securing a mortgage. Bad credit mortgages are designed for individuals with credit challenges, offering opportunities to buy a home or remortgage despite past issues. I’ll help you navigate the options available, find a suitable lender, and secure a mortgage that aligns with your financial situation.
Bridging Finance
Bridging finance provides short-term funding to help you move quickly when timing is critical. It is often used for auction purchases, properties that require refurbishment, or situations where a traditional mortgage is not yet suitable.
Development Finance
Development finance is designed to support property projects such as new builds, conversions, and major refurbishments. Funding is typically released in stages as the project progresses, based on agreed costs and milestones.
Residential Mortgages
Residential mortgages are used to purchase or refinance your main home, whether you are a first-time buyer, moving home, or reviewing your current deal. Choosing the right mortgage is key to long-term affordability and peace of mind.
Start With a Conversation
Every situation is different. A short conversation is often the easiest way to get clarity on what options are available and whether I’m the right person to help.
I work with property investors, limited company landlords and residential clients who want clear, straightforward advice before making a commitment.
There’s no pressure to proceed. Just an initial discussion to understand your plans and decide the best next step.
Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.
Quick links
Legal
Legal
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages and protection products are subject to eligibility and lender criteria.
Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.
Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.
MJS Finance is a trading style of Freedom Financial. Authorised and regulated by the Financial Conduct Authority.
We are authorised and regulated by the Financial Conduct Authority. FCA number: 920865.
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