🏠 What is remortgaging & when should you do it?
Remortgaging is replacing your current mortgage with a new deal, either with your existing lender or a new one. It’s usually done to get a better rate, avoid moving onto a higher variable rate, or borrow more money.
You might remortgage when:
✔ Your fixed deal is ending
✔ You’re on a Standard Variable Rate (SVR)
✔ You want to lower monthly payments or shorten the term
✔ You want to borrow more for home improvements or debt consolidation
✔ Your property value has increased and you may qualify for better rates
🔄 Stay or Switch? We help you decide
Switching lenders isn’t always the best choice, we look at both options and guide you based on savings, fees and flexibility.
We’ll help you assess:
✔ Is your current lender offering a competitive new rate?
✔ Would switching actually save you money after fees?
✔ Do you need to borrow more or change your term?
✔ Is a full remortgage needed, or just a simple product transfer?
💡 If staying with your current lender makes more sense — we’ll help you do exactly that.
⭐ Why use Chartners for your remortgage?
We don’t just search the market, we compare it with your current mortgage to see what truly works best for you. Sometimes the smartest option is switching. Other times, it’s staying where you are.
Why clients choose Chartners:
✔ Honest advice — even if that means staying with your current lender
✔ Whole-of-market comparison, including product transfers
✔ We handle all paperwork and applications for you
✔ Clear, simple explanations — no jargon or pressure
✔ Personal guidance from review to completion
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Why Call Us?
We are Independent Mortgage Brokers offering a whole of market choice for mortgages and protection. If you go direct to a lender, they can only recommend their own very limited product range. There are over 100 lenders and thousands of mortgage deals available to research. We listen to you, find out your needs and circumstances, recommend the most suitable mortgage for you and fully explain the features and benefits.
Beware using an estate agent broker that only has access to a limited panel of lenders and are not whole of market.
Give us a call or email and we will give you advice. We can help without charge, whether you use us to get your mortgage or not.
As a whole of market broker we have access to thousands of mortgages to make sure you get the best deal for you.
These are deals not available to the general public or through price comparison sites that we have access to for you.
Wherever you are based within the UK, our unique easy 4 step process allows us to provide you with a full expert independent mortgage broking service.
We are regularly audited to ensure compliance with Financial Conduct Authority regulations. All our mortgage and protection work complies with the FCA regulations. We are committed to Treating Customers Fairly. £1.75 million professional indemnity cover is in place for your protection as well. You are never pressured to take any product.
If we’re unavailable for any reason calls are usually returned within the hour, as are emails or texts. As soon as you confirm which mortgage you would like to apply for, we will get an immediate agreement in principle for you. This puts you in a strong bargaining position when dealing with estate agents and vendors. Everything is done extremely promptly throughout the mortgage application process and you will receive regular updates.
Mortgage application forms are usually long and can be complicated. We complete and submit all the paperwork for you throughout the process.
We are not a Call Centre! You work with one friendly advisor throughout who will fully understand your own particular circumstances. When you call, they will know all about you – we are not a call centre where we read your notes off a screen!
All calls and emails are responded to promptly, we never leave you waiting and chase mortgage companies constantly so that your mortgage is processed as quickly as possible.
Why Call Us?
We are Independent Mortgage Brokers offering a whole of market choice for mortgages and protection. If you go direct to a lender, they can only recommend their own very limited product range. There are over 100 lenders and thousands of mortgage deals available to research. We listen to you, find out your needs and circumstances, recommend the most suitable mortgage for you and fully explain the features and benefits.
Beware using an estate agent broker that only has access to a limited panel of lenders and are not whole of market.
Give us a call or email and we will give you advice. We can help without charge, whether you use us to get your mortgage or not.
As a whole of market broker we have access to thousands of mortgages to make sure you get the best deal for you.
These are deals not available to the general public or through price comparison sites that we have access to for you.
Wherever you are based within the UK, our unique easy 4 step process allows us to provide you with a full expert independent mortgage broking service.
We are regularly audited to ensure compliance with Financial Conduct Authority regulations. All our mortgage and protection work complies with the FCA regulations. We are committed to Treating Customers Fairly. £1.75 million professional indemnity cover is in place for your protection as well. You are never pressured to take any product.
If we’re unavailable for any reason calls are usually returned within the hour, as are emails or texts. As soon as you confirm which mortgage you would like to apply for, we will get an immediate agreement in principle for you. This puts you in a strong bargaining position when dealing with estate agents and vendors. Everything is done extremely promptly throughout the mortgage application process and you will receive regular updates.
Mortgage application forms are usually long and can be complicated. We complete and submit all the paperwork for you throughout the process.
We are not a Call Centre! You work with one friendly advisor throughout who will fully understand your own particular circumstances. When you call, they will know all about you – we are not a call centre where we read your notes off a screen!
All calls and emails are responded to promptly, we never leave you waiting and chase mortgage companies constantly so that your mortgage is processed as quickly as possible.
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