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Explore your remortgage options
If you’re considering a remortgage, it could be the key to reducing your monthly payments, unlocking funds, or securing a better rate. Whether your current deal is ending or you’re planning ahead, remortgaging offers flexibility and opportunity.
With expert advice and access to a broad range of deals, you can explore tailored options to suit your financial goals. From switching to a better rate to borrowing against your property, every step is designed to make the process smooth, transparent, and beneficial.
Whether you’re remortgaging your home or a buy-to-let property, Finance Planning makes it easy to find the right deal. We’ll compare your current lender’s offer with thousands of options from a wide range of trusted providers to help you secure a mortgage that suits your needs and saves you money.
Getting started is simple. You can share some basic details about your goals either online, over the phone, or by meeting one of our friendly advisers in person, whichever works best for you. We’ll then search the market on your behalf and provide expert, straightforward advice to guide your next steps.
Once you’ve chosen your deal and submitted your application, we’ll be with you every step of the way, managing paperwork, keeping things on track, and ensuring everything runs smoothly. You can check progress online anytime or speak to our team for updates or support.
SwitchSmart™ – a free service that works for you
SwitchSmart™ is our free renewal tracking service designed to ensure you never miss a better deal. For the six months before your mortgage renewal, we search the entire market for the most competitive products available. Your mortgage lender will undoubtedly offer you their best deal at the point of renewal. However, only a whole-of-market broker can compare that offer to every other lender, giving you confidence that you are making the right choice. By joining our renewal program, you will receive timely updates and personalised recommendations so that you are ready to secure the best possible outcome when the time comes.
When does your mortgage deal end?
5 things you should know
At Finance Planning, we specialise in finding the best deals and helping you switch mortgages when your current deal is coming to an end. Understanding the process can take the pressure off, so we’ve answered some of the most common questions to help you feel informed and in control every step of the way.
Speak to an expertRemortgaging isn’t just about finding a new deal—it’s about finding the right deal. Working with a mortgage broker can help you explore your options, calculate how much you can borrow, and identify the mortgage that best suits your needs and financial situation.
Whether you’re exploring remortgaging options or ready to apply, getting started is simple. Speak to an expert adviser or begin your application online for fast, hassle-free support tailored to your property and circumstances.
The time it takes to remortgage can vary depending on your personal circumstances. In some cases, we may recommend staying with your current lender if their deal still offers great value — in others, switching to a new lender could save you more. Whatever the route, we’ll guide you through the best option.
We always like to start the process well before your current deal ends, so you don’t end up paying more on your lender’s Standard Variable Rate.
Our online system helps keep things simple and efficient. Once you’ve chosen your mortgage deal, you can submit your application and upload documents with ease. We’ll keep you updated throughout, so you always know what’s happening and what comes next.
Yes, an existing loan will factor into your remortgage assessment. Lenders consider your monthly outgoings, including loan repayments, when determining affordability. Missed loan payments can also impact your credit score, which may influence your eligibility for new mortgage deals.
For tailored advice on how your financial situation affects your remortgaging options, please consult one of our remortgage experts who can guide you.
It’s a good idea to start looking at your options around six months before your current deal ends. This gives plenty of time to review the market, secure a new deal, and avoid rolling onto your lender’s more expensive Standard Variable Rate.
If you are over six months away, why not enrol in our SwitchSmart scheme and let us do the heavy lifting?
Yes, you can, but it's essential to check if there are early repayment charges or exit fees with your current lender. Sometimes, switching early still makes financial sense, especially if the savings outweigh any penalties. We’ll help you work out what’s best for you.
We also have some lenders who will let you switch early without penalty. Talk to one of our experts today for more information.
