Remortgages
Whether your deal is coming to an end, you want to make Home Improvements or consolidate some debt – or even check if you are on the best deal, we’ll guide you through the process.
At K and H Mortgages, we take the time to understand your situation properly. You’ll always get honest advice, explained in plain English, and support that helps you make confident decisions about your next step.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Think carefully before securing other debts against your home. The overall cost of repayment of other debts might be more when added to your mortgage. Your home might be repossessed if you do not keep up repayments on your mortgage.
Remortgages
What does remortgaging mean?
Remortgaging means switching your existing mortgage to a new deal – either with your current lender or a different one.
People usually do it to:
Find the best deal to move onto when your rate is ending
Access extra funds for things like home improvements or debt consolidation
Change term, if possible for flexibility and affordability
Remove a name from the mortgage after a change in circumstances
It’s essentially a chance to make sure your mortgage still fits your goals and lifestyle – not just your original situation.
Remortgages
When (and why) should I review my mortgage?
A good time to check your mortgage is around 4–6 months before your current deal ends. That gives plenty of time to find the best new option before your rate changes.
If you let your deal end without reviewing it, you’ll likely move onto your lender’s Standard Variable Rate (SVR) – and that can mean paying significantly more each month.
A quick chat with us can show whether you could save money, fix your rate for peace of mind, or make your mortgage work better for you.
How we will help you
We know remortgaging can sound complicated – but with the right guidance, it’s actually very straightforward.
Here’s what to expect when you work with us:
First chat
We start with a friendly, no-obligation chat about your current mortgage, what you’d like to achieve and what options might make sense.
Reviewing your current mortgage
We look at your existing rate and explain your choices clearly - whether that’s sticking with your current lender, moving elsewhere, or making a change to your loan.
Searching the market
We review hundreds of products across the market to find what best fits your situation - not just what’s convenient for one bank.
Handling the details
Once you’re happy, we’ll take care of the paperwork, coordinate with your lender, and keep things running smoothly from start to finish.
Completion and beyond
Most remortgages complete in around 4–8 weeks, and we’ll keep you updated every step of the way - so you’re never left wondering what’s happening.
Remortgages
What you need to know
We like to keep everything transparent, so you know exactly what’s involved from the start.
Possible costs to budget for
Depending on your lender and situation, there may be:
Arrangement or product fees from your new lender
Valuation or legal fees (sometimes free with certain remortgage deals)
Early repayment charges if you’re leaving your current deal early
Mortgage advice fee – we’ll explain this clearly before you begin
Our fee: All mortgage advice is free, but our fee of £400 will become payable on submission of an application to a lender.
How long does it take?
Most remortgages complete within 4–8 weeks from the first review to completion. Starting early means you’re less likely to roll onto your lender’s default rate.
Remortgages
Why work with us
Working with us gives you access to a wider range of lenders and products – not just one bank’s options. That means better chances of finding the right fit for your circumstances.
At K and H Mortgages, we are:
- Real people who care. We who understand what it’s like to make big life decisions – and we care deeply about helping you feel confident every step of the way.
Not going to confuse you with jargon. Everything is explained in plain English.
Not held to massive sales targets. We’re here to help you, not hit quotas.
Ready to learn what your options are?
Book a free mortgage review with us today. We’ll compare your options, explain everything clearly, and help you make the best decision for your next chapter.