Remortgage Your Home

The Most Suitable Mortgage Advice

Remortgaging is the process of moving from one mortgage company to another, generally used in order to secure a new mortgage deal using the same property.

This process may also involve the raising of additional capital for such things as: home improvements; debt consolidation; buying a new car; raising money for a holiday of a lifetime; to pay for a wedding; to complete a financial settlement in a divorce; or raising deposit funds for another property purchase.

This is an extremely competitive market place, with lenders using incentives such as free valuation, free legal work and cash backs in order to entice clients. We promise to recommend the right mortgage for you.

Think carefully before securing other debts against your home.

Consolidating debt may reduce your outgoings now, however you may pay more interest over your mortgage term.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Tailored Advice

With some many mortgage deals available, how do you know what deal is right for you? That’s where we come in, our no-fee mortgage advice service allows you the opportunity to talk with us in a relaxed no pressured environment. Giving us the time to listen and understand your needs and goals.

We can then help prioritise these in order to establish what is important to you and recommend the most appropriate mortgage based on what you deem important.

With over twenty years’ experience, we are always available to advise and guide throughout your mortgage application.

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Where do you start?

Trawling the internet or booking an appointment with the local high street lender can be timely and confusing.

Just For You

We promise to recommend the right mortgage for you.

Expert advice

Chat with a friendly member of the Riviera Mortgages team for the right guidance and support.

Moving forward

We will guide you through the process to completion. What matters to you, matters to us!

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Frequently asked questions

1What is remortgaging?

Remortgaging involves switching your mortgage to a new product with a new lender.

2Could I remortgage to save money?

Potentially yes, if your current lender is unable to offer you a new mortgage rate or their retention options are just not competitive in line with the market then re-mortgaging to a new lender could secure a better priced deal thus saving you money each month.

3Could I remortgage to consolidate debt?

By remortgaging you may be able to consolidate your unsecured debts by releasing some of the equity in your property thereby reducing your monthly outgoings. However, it is not always in your best interests to consolidate unsecured credit commitments therefore we will take the time to research and fully document our advice as to what is the most appropriate course of action for you. Think carefully before securing other debts against your home. Consolidating debt may reduce your outgoings now, however you may pay more interest over your mortgage term. Your home may be repossessed if you do not keep up repayments on your mortgage.

4Could I remortgage to raise funds?

You may be able to release some of the equity from your property to pay for major outgoings such as home improvements, vehicles and / or to purchase an investment property.