Remortgaging

Review your mortgage deal

Your circumstances are unlikely to stay the same throughout the term of your mortgage. Regularly reviewing your mortgage deal ensures it remains suitable for you and could result in significant savings.

A product switch with your existing lender could be an ideal solution for you. Opal Financials can review your current mortgage deal six months before your deal ends, then track rates and keep you informed of any changes. This way, we can source a suitable solution and reserve a competitive rate for you. We may have access to exclusive rates not offered if you approached your lender direct.

Alternatively, if you need to do more than secure a competitive rate, you can consider a re-mortgage. Whether you are looking for stability or flexibility with your repayments, raising capital for home improvements or a deposit for another property purchase, we are here to help. Take advantage of the comprehensive choice of lender products and rates we have available by contacting one of our advisers today.

Moving and taking your mortgage with you

Your existing mortgage may be portable, allowing you to transfer your current deal to your new home. This can have its advantages but, we recommend seeking advice before speaking to your current lender. There are several factors to consider, which is why our advisors will make sure you make an informed decision. Your advisor will calculate what charges are involved, advise you if more favourable terms and rates are available and, if you are considering further borrowing, what impact this could have on your future remortgage options.