Remortgage Advice UK

When your current mortgage deal ends, you have a choice: stay with your existing lender and move onto their Standard Variable Rate (SVR), or remortgage to a new deal. For most homeowners, remortgaging is the financially smarter option, and getting proper advice makes sure you end up on the best deal available to you, not just the most convenient one.

Soul Mortgages advises clients on remortgages for all types of property and circumstances, including complex income, adverse credit, and those looking to release equity or restructure their borrowing.

Off the SVR
Onto a better rate
Release equity
For your plans
Whole of market
Beyond your lender
What we arrange
✓Switching off the SVR
✓Lower rates & better terms
✓Releasing equity / capital raising
✓Debt consolidation
✓Self-employed & changed circumstances
✓Additional borrowing
Many clients simply re-mortgage with their current lender and miss lower rates, more flexibility or additional borrowing. We research the whole market on your behalf.

Common Reasons to Remortgage

  • Securing a better rate: Avoid dropping onto your lender’s SVR and lock in a competitive fixed or tracker rate instead
  • Releasing equity: Access the capital built up in your property for home improvements, investments, or other purposes
  • Debt consolidation: Consolidate other debts into your mortgage to reduce monthly outgoings (though this increases the total amount owed)
  • Change of circumstances: Job change, relationship change, change in income structure, or moving to self-employment
  • Overpaying or restructuring: Switch to a more flexible product that allows overpayments or offset
  • Better LTV: Your property may have increased in value, moving you into a lower LTV band and better rates

Why Use a Broker to Remortgage?

“Staying put with your lender is rarely the best deal; we find out what else is on the table.”

Your existing lender will almost always offer you a product transfer, a new deal on their existing range. It’s easy and requires no new application, but it’s rarely the best rate available. A broker searches the whole market, including lenders you can’t access directly, and compares these against your lender’s retention deals.

We also manage the entire remortgage process on your behalf: assessing your options typically 3-6 months before your deal expires, submitting the application, and liaising with solicitors to ensure a smooth transfer.

Get remortgage advice today →

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

Remortgage FAQs

When to switch, releasing equity and complex income.

When should I start looking at remortgaging?
Around 3-6 months before your current deal ends, so we can line up a new rate before you slip onto your lender’s higher standard variable rate.
Can I remortgage to release equity or raise capital?
Yes, for home improvements, investment, consolidating borrowing, or funding another purchase. The amount depends on your property value, income and the lender’s criteria.
Will remortgaging save me money?
It can, especially if you are on a reversion or standard variable rate. We compare the whole market including any fees, so you see the true cost, not just the headline rate.
Can I remortgage with complex or changed income?
Yes. If your income now includes self-employment, bonuses, dividends or foreign income, we will place you with lenders who understand it.