We're here to make your remortgage easier

Let us take the stress out of finding remortgage rates that work for you. We'll find a mortgage and handle all the paperwork, saving you time, hassle and money.

remortgage advisor

Remortgage advisor

We're here to make your remortgage easier, let us handle the mortgage search, application, and everything in between.

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Our remortgage advisors are available today

Schedule your free quote

30 seconds is all it takes to schedule your free call with an expert remortgage advisor. We’re here for you.

Find a mortgage

We’ll tell you how much you can borrow and how much mortgage you can comfortably afford.

Apply for a mortgage

We handle the entire mortgage process , from searching for the best deals to securing exclusive mortgage rates.

mortgage advisor
mortgage advisor

Remortgage Advice

Remortgage rates fluctuate all the time, and it’s hard to stay on top of the best deals when you’re stuck with an overpriced mortgage from your current lender.

We provide the solution to your mortgage worries. With our remortgaging service, we can help you switch to a better mortgage rate quickly and easily. We will help you find the right lender for you, lower your mortgage term and get you an affordable rate that can save you money in the long run.

Stop overpaying on your mortgage now – switch to a better rate with our help.

Why choose our remortgage advisor

  • Unlock exclusive remortgage deals and save big
  • Get the mortgage you can afford and qualify for.
  • Fast application processing – We know how to get a remortgage

Remortgaging your home

  • What is remortgaging?

    Remortgaging your home can be a smart move, potentially saving you money or achieving other financial goals. But it’s important to understand what it is.

    Put simply, it’s replacing your existing mortgage with a new one, often from a different lender. This can offer lower interest rates, fixed rates for stability, or access to additional funds (equity release).

  • Why would I want to remortgage?

    There are many reasons to why you may decide to remortgage and seek remortgage advice. Common ones include:

    Rate expiring: Your current fixed mortgage rate is ending.
    Saving money:
    Lower interest rates mean smaller monthly payments.
    Fixing your rate: Escape volatility and lock in a stable payment for peace of mind.
    Consolidating debt: Use your remortgage to pay off other debts, potentially with lower interest.
    Raising capital: Release equity from your home for renovations, education, or investments.
    Changing your mortgage type: You might switch from a fixed-rate to a variable-rate mortgage or vice versa, depending on your current financial situation and future expectations.

  • When can I remortgage?

    You don’t need to wait until your current deal ends before you can start looking for better mortgage rates. In fact, we advise you to start early to get the mortgage secured.

    Many mortgage offers are valid for between three and six months from the date they are issued. This means your lender may be able to arrange for the new deal to begin when your current deals ends. A GHL Direct remortgage broker will know how long various lenders offer periods are and will be able to find the right deal for your individual circumstances

  • How do I find the right remortgage rate

    Do I need a mortgage advisor?
    Using a GHL Direct mortgage advisor can be helpful as they can navigate the process, compare deals from different lenders, and ensure you get the best rate and terms for your circumstances.

    How to compare remortgage deals?
    Look beyond just the interest rate and consider factors like:
    – The length of the fixed-rate period
    – Any upfront fees or charges
    – The flexibility to make overpayments
    – Customer service and online tools offered

  • What are the different types of mortgages?

    There are a number of different types of mortgages available, including:

    Fixed-rate mortgages: With a fixed-rate mortgage, your interest rate will stay the same for the entire term of the mortgage. This can provide peace of mind, as you know exactly what your monthly payments will be. However, if interest rates rise, you will not benefit from the lower rates.

    Variable-rate mortgages: With a variable-rate mortgage, your interest rate will fluctuate based on the Bank of England base rate. This means that your monthly payments may go up or down, depending on the market. However, if interest rates fall, you will benefit from the lower rates.

    Tracker mortgages: A tracker mortgage is a type of variable-rate mortgage that tracks the Bank of England base rate. This means that your interest rate will always be a certain percentage above the base rate.

    Discounted mortgages: A discounted mortgage is a type of variable-rate mortgage that is offered at a discount to the lender’s standard variable rate (SVR). This means that your interest rate will be lower than the SVR, but it may still fluctuate.

  • What questions should I ask my mortgage advisor?

    Here are some questions you can ask your mortgage adviser:

    – How much can I borrow?
    – What type of mortgage is best for me?
    – What are the interest rates and fees?
    – What are the monthly repayments?
    – What happens if I can’t afford to make my repayments?
    – What are the pros and cons of different mortgage products?

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

GHL Direct is a trading style of GHL Network Services Ltd which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Will Writing, EPC Products & Conveyancing are not part of the Openwork offering and are offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. Will Writing, EPC Products & Conveyancing are not regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 30/01/23