FCA REGULATED · REMORTGAGE SPECIALISTS
Is Your Fixed Rate Ending? Explore Your Remortgage Options
If your current mortgage deal is coming to an end, or your circumstances have changed, we can explore your remortgage options and explain what may be suitable for you.
Explore a Wide Range of Lenders
We explore remortgage options across a wide range of lenders and lending criteria.
Start Early
Reviewing your mortgage before your current deal ends gives you time to understand your options.
Professional Mortgage Advice
Clear mortgage advice based on your circumstances, with support throughout the process.
More Than Just a Rate
We consider the wider costs of remortgaging, including applicable fees and early repayment charges.
we help with
Remortgage Advice for Different Circumstances
There are many reasons to consider remortgaging, from an existing deal coming to an end to changes in your circumstances or plans for your property. We can explore the options available and explain what they could mean for you.
- Current mortgage deal ending - reviewing your options before your existing mortgage deal comes to an end.
- Reviewing your current mortgage - exploring whether another mortgage option may be suitable for your circumstances.
- Raising additional funds - exploring whether additional borrowing against your property may be appropriate for home improvements or other purposes.
- Debt consolidation - considering remortgage options where consolidating existing debts is part of your wider financial circumstances.
- Change of circumstances - reviewing your mortgage following changes such as employment, income or other personal circumstances.
- Remortgaging before your deal ends - considering the available options and any applicable early repayment charges before making a decision.
the process
How We Explore Your Remortgage Options
01
Tell Us About Your Current Mortgage
Tell us about your current mortgage, when your existing deal ends and what you would like to achieve. We’ll also consider any changes in your circumstances since you arranged your mortgage.
02
We Explore Your Options
We explore remortgage options from a wide range of lenders, considering the mortgage itself as well as relevant fees, early repayment charges and your circumstances.
03
We Manage the Application
Once you decide how you would like to proceed, we manage your remortgage application and keep you updated as it progresses.
WHY REMORTGAGE
Three Common Reasons People Remortgage
People consider remortgaging for different reasons. Here are three of the most common situations where reviewing your mortgage options may be worthwhile.
Current Deal Ending
If your existing mortgage deal is coming to an end, you can review the options available before moving onto your lender’s standard variable rate.
Raising Additional Funds
Depending on your circumstances and available equity, remortgaging may allow you to raise additional funds for purposes such as home improvements or other plans.
Consolidating Debt
Some homeowners consider remortgaging to consolidate existing debts. This can reduce monthly outgoings in some circumstances, but may increase the total amount repayable and could mean securing previously unsecured debts against your home.
MEET THE ADVISERS
Speak With a Mortgage Adviser
Get to know the people behind Verona Mortgages. Our Mortgage Advisers provide personal mortgage support from your initial enquiry through to completion.
Yousef Gholami
Mortgage Adviser
Speak directly with Yousef about your mortgage options and next steps. Clear, straightforward advice based on your circumstances.
Daniel Mehrnia
Mortgage Adviser
Speak directly with Daniel about your mortgage options and next steps. Clear, straightforward advice based on your circumstances.
Mohammad Sharif Zadeh
Mortgage Adviser
Speak directly with Mohammad about your mortgage options and next steps. Clear, straightforward advice based on your circumstances.
Shaghayegh Pouravin
Mortgage Adviser
Speak directly with Shaghayegh about your mortgage options and next steps. Clear, straightforward advice based on your circumstances.
FREQUENTLY ASKED QUESTIONS
Remortgage Questions, Answered
Thinking about changing your mortgage? Here are answers to some common questions about remortgaging and reviewing your options.
When should I start looking at remortgage options?
You can start reviewing your options before your current mortgage deal ends. Starting early gives you time to understand what is available and consider any fees or early repayment charges before making a decision.
Do I have to stay with my current mortgage lender?
No. You can consider a new deal with your existing lender or explore remortgage options with other lenders. Which route is suitable will depend on your mortgage and circumstances.
Can I remortgage to raise additional funds?
Depending on your circumstances and the equity in your property, you may be able to borrow additional funds when remortgaging. Lenders will consider factors such as affordability, property value and the purpose of the additional borrowing.
Can I remortgage if my circumstances have changed?
Possibly. Changes to employment, income, credit history or other circumstances can affect the mortgage options available, but they do not necessarily prevent you from remortgaging.
Can I remortgage before my current deal ends?
Yes, although your existing mortgage may have an early repayment charge or other costs. These should be considered alongside any new mortgage before deciding whether changing early is appropriate.
Can I remortgage to consolidate debts?
It may be possible to consolidate existing debts through a remortgage, depending on your circumstances and lender criteria. However, this can mean securing previously unsecured debt against your home and may increase the total amount you repay, even if monthly payments are lower.
Ready to Review Your Mortgage?
Whether your current deal is coming to an end, your circumstances have changed or you are considering raising additional funds, talk through your remortgage options with an adviser.