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    Find your Perfect Remortgage Deal - 100% Fees-Free

    Discover the advantages of financial flexibility with our dedicated remortgaging service. Whether you’re looking to raise capital, consolidate your debts, avoid moving home, save money, or adjust to changing circumstances, Fees Free Mortgages can help.

    We know how much both planned and unexpected changes can impact every aspect of your life – including your mortgage. That’s why we’ll work alongside you through life’s ups and downs to ensure you’re always signed on to the best possible rates – even after your fixed term ends. For many of our clients, remortgaging is the key to finding a better borrowing fit for a changing lifestyle or situation – delivering new terms, and big savings.

    Our dedicated remortgage brokers are here to help you make the most of your remortgaging plans – using their expertise to review your current position, align you with the best possible option amongst hundreds of deals, and calculate their potential costs and savings – before securing the deal on your behalf from start to finish. We’ve helped hundreds of homeowners embrace the power of remortgaging – unlocking significant savings, and minimising stress. Why not join them?

    What is a Remortgage?

    Mortgages are one of life’s biggest financial commitments – helping people in all stages of life purchase property.

    Whilst a traditional mortgage is a long term, high-value loan designed for this purpose, a remortgage allows for a new mortgage to be taken out on an owned property – effectively ending a current contract in favour of a new, better deal, often with a different lender. This makes remortgaging a strong choice for a number of situations in which finances or circumstances change – particularly for those at the end of fixed terms. 

    There are many reasons why you may choose to remortgage your home. These may include extending your mortgage term in order to reduce the size of repayments, releasing equity to put towards home-related spending, paying off a mortgage earlier, or making savings after being moved to an SVR.

    Not Sure Where to Start?

    Unsure of whether remortgaging is the right option for you? Fees Free Mortgages are here to help. 

    We know how confusing the world of remortgaging can be – and want to guide you through the process. Whether you’re just considering remortgaging, need help with your application, or have run into issues during processing, our leading remortgage brokers are always available to offer independent, fully-tailored mortgage advice in plain, understandable terms, and at no extra cost. – helping you discover the optimum deal for your unique buying circumstances whilst avoiding common mistakes and expensive pitfalls.

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    Why Choose Us?

    Unlike the industry ‘big boys’, Fees Free Mortgages is motivated by clients – not commission.

    We’ll work hard to find and apply for the best mortgage deal for your individual circumstances; no strings attached. Best of all, our comprehensive services are completely fees free!

    100% Fees-Free

    Most mortgage firms and brokers charge an arrangement fee upfront, or on completion of your application. We’re different. Our team work on an entirely fees-free basis, meaning you’ll never be charged for mortgage advice, or for arrangement - regardless of your circumstances.

    Real People, Great Service

    We believe that the best brokers provide a personal touch - not outsourced calls and automated responses. With Fees Free Mortgages, you’ll be assigned an in-house personal broker and case manager, both of whom will be by your side throughout the process.

    Unbiased Advice

    With thousands of mortgage options available on the market, it’s highly unlikely that you’ll get the best deal from your bank. On the other hand, whole of market brokers without lender ties are able to offer a wide range of deals, accompanied by unbiased mortgage advice.

    Regulated and Accountable

    Selecting a mortgage broker is a big step in one of the most significant financial decisions of your life - meaning it’s vital to ensure your final choice is trustworthy. Fees Free Mortgages are directly authorised by the FCA and are and fully accountable for the mortgage advice we give.

    Dedicated Contact

    We promise to handle all the hard work, meaning you can sit back and relax until your mortgage completes, whilst your dedicated broker and case manager keep you in the loop. With us, you’ll always be fully informed on the stage and details of your application.

    Nationwide Service

    We believe everyone should have access to free, unbiased mortgage advice and brokerage. That’s why we’re proud to have developed flexible services benefitting clients from Cornwall to Carlisle and beyond. We’ll work to find your perfect mortgage, whether in-person in our flagship office, through one of our UK representatives, or over video call.

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    Should I Remortgage?

    Thinking of remortgaging your property but not sure if it’s the right move for you? Our simple online mortgage calculators are here to give you a general idea of your loan to value ratio, how much you could borrow, and even what your monthly repayments may look like – all in just a few minutes. Whatever your situation, our simple mortgage calculators are here to help you crunch the numbers.

    Don’t Take Our Word For It

    Discover our clients’ mortgage success stories.

    I had so many questions and unknowns about buying my first home but none of them were too silly for Martin to answer. He helped me with finding the mortgage lender that suited me and did all the paperwork upfront, so to make everything run smoothly later on. He advised me with insurance and gave me me guidance and updates every step of the way. For me, Martin made buying my first home an exciting experience, not a stressful one and I would recommend him every time. Thank you.

    Rachael Parnell

    First Time Buyer Mortgage


    Martin Bright has been exceptional throughout a long and convoluted process. After three attempts at securing a house (and three mortgage searches), Martin was patient and professional, always happy to help and always finding a better deal than I thought possible. He explains things clearly and puts forward his thoughts and justifications in a very considered way. I have a 5yr fix at 0.9%. Which beggars belief really! Fantastic outcome, brilliant service and a thoroughly nice chap all round. Wouldn’t hesitate to recommend, and I already have done to a couple of friends looking to secure their own mortgages.

    Alex Prentice

    First Time Buyer Mortgage


    Martin and his team were always quick to respond from mortgage application through to completion. He provided valuable advice and insight throughout, especially during the economic downturn and rapid rises with interest rates, and secured us a great deal with a lightning fast turnaround. Also, Adelle made obtaining Life and Financial Protection insurance super easy – allowing us time to look through the deals she prepared and was always willing to explain complex or unfamiliar terms to us. When we end up moving house in the future – I’m sure I’ll be giving Fees Free Mortgages a call.

    Daniel Percey

    Free Mortgage Advice


    For anyone buying a new home, looking to re-mortgage or interested in setting up life cover – then Martin is absolutely your man. My wife and I have been using Martin for the past 4-years for our mortgages, personal and business life cover, and I would never go else where. Martin offers a very personal and professional service, he is extremely knowledgeable, honest and consistent, and is always looking for the best option for his client. I would highly recommend, great guy.

    Michael John Vingerhoets

    Self Employed Mortgage



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    Our team of industry-leading advisors are ready to assist you in your mortgage journey. For expert fees-free mortgage advice, or to discuss any of our services, please contact us using the contact form below, or visit us in our flagship branch, or reach out to your local advisor.

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    Usually, the minimum interval between securing your mortgage and going for a remortgage is six months. Both variable-rate and fixed-rate mortgages can carry an early repayment charge if you switch mortgages within a certain timeframe, which can range from 1% to 5% of your mortgage debt but can be higher.

    For fixed-rate mortgages, if the agreement is that the mortgage rate is fixed for (for example) 2 years, then this is the minimum amount of time that must pass between getting your mortgage and then switching to avoid an exit fee. This is because by leaving before that amount of time, you’d be breaking the terms of the agreement.

    For mortgages as a whole, usually, the first year of your mortgage will have the largest exit fee associated with it. After this first year, the exit fees will reduce to 0% as you complete the term agreed in your initial mortgage.

    It’s possible to remortgage while on maternity leave. Your lender will consider your credit score, financial situation, and history in order to make a decision on this. If while on maternity leave you can evidence earning a steady income that exceeds the affordability requirements, in addition to the usual mortgage requirements, you can likely apply for a remortgage.

    A lender is not likely to directly ask if you are on maternity leave, however, they are likely to ask you about your future plans. Honesty is the best policy here, as your financial situation will be likely to change by the end of maternity leave. A lender may ask to see payslips from before you went on maternity leave, bank statements, and/or a letter from your employer outlining what your return date will be, and what your salary will be upon your return. This is to inform lenders of your financial situation before maternity leave, during, and what it is likely to look like after you return.

    A remortgage can, on average, take anything from 4 to 8 weeks from making your initial application. Oftentimes, you’ll have meetings with your lender’s mortgage advisors if you go to them directly. There are a few points to consider if you are looking to go down the remortgage route.

    If you’re leaving your current mortgage before your current mortgage term, you could incur an early repayment charge or exit fee. It’s worth checking the terms of your mortgage and weighing this into your decision. You’ll also have to consider how your credit score is when you apply, and whether you will be able to exceed the affordability requirements for your new mortgage.

    It would also be wise to consider what you want to achieve from your new mortgage. Are you looking for lower monthly repayments? Do you want to be able to pay off your outstanding balance sooner? Is what you want now going to be the same in the future?

    Typically, the minimum amount of time that must pass before you can remortgage your home after taking out a mortgage is six months. Fixed-rate mortgages and some variable-rate mortgages carry an early repayment charge, which is often 1% to 5% of your mortgage debt but can be higher.

    If your initial mortgage is, for example, a 1.5% fixed rate for two years, it means your interest rate is guaranteed for that term. By remortgaging before the expiry of this term, you’ll have switched to another mortgage before your initial fixed term is up, which could mean you will be liable for an early repayment charge.

    Oftentimes, the first year of your mortgage will carry the largest early repayment charge, which will then decrease towards 0% as you complete the term agreed in your initial mortgage.

    It’s entirely possible to use remortgaging to clear debt, however, the lender you choose must have absolute confidence in your ability to repay the additional money borrowed as part of the capital-raising process – meaning you must, at least, have enough equity to support the capital borrowed. Remortgaging is a commonly used method of reducing monthly outgoings, especially in the case of repaying credit and store cards. 

    Employing the assistance of a mortgage broker experienced in the credit raising field could help find the best possible deals, and ensure your finances, application, and evidence are as strong as possible – convincing lenders of your ability to maintain payments.

    As is the case with many mortgages available on the UK market, capital raising remortgage rates are at least slightly negatively impacted by bad credit – with interest rates typically being higher for those with bad credit than good. Depending on the extent of past credit issues, the amount of equity required to obtain a remortgage can increase significantly. 

    Despite this, it’s not impossible to find a good capital raising remortgage deal when applying with bad credit. Employing the assistance of a mortgage broker experienced in the credit raising field could help find the best possible deals, and ensure your application is as strong as possible.

    The vast majority of static homes including detached, semi-detached, terraced, and bungalow homes, alongside flats, apartments, maisonettes, shops, garages, surgeries, retail space, holiday homes, bars, pubs, and restaurants can be used in capital raising mortgages and remortgages. Of course, this list extends beyond what can be seen here. 

    In contrast to this, mobile homes of any kind are generally exempt from capital raising mortgages, this includes mobile homes, caravans, canal boats, and barges. 

    If you require further clarification on whether or not your property is a suitable fit for capital raising mortgages or remortgages, get in touch with a reputable mortgage broker, whose advisors will be able to offer informed, expert advice.

    Capital raising mortgages are a fast way to secure funding for a huge range of purchases, bills and projects. These may include;

    Home improvements, renovations, and upkeep, including extensions, heavy refurbishment, restoration, or redecorating. 

    Large purchases such as university fees, holidays, weddings, and property deposits.

    Business investments, including asset acquisition and expansion.

    Debt consolidation, including CCJs, credit cards, defaults, legal bills, and tax. 

    Divorce, commonly covering legal bills, paying off ex-partners, or buying out properties.

    A good route for those who have paid off a significant portion of their existing mortgage or those who have come to the end of their current mortgage’s term, a capital raising remortgage is a secured loan that allows for the release of equity from an owned property. 

    When remortgaging to switch rates, a property owner would typically borrow an amount equivalent to their outstanding loan, those looking to secure funds generally borrow a higher amount. Though the borrower’s mortgage is now larger, it is affordable, and additional funds previously tied up in a mortgage can be used for a wide variety of purposes, including large purchases, and debt consolidation.

    Our experts have provided a rough guide as to how much it may cost to remortgage below – though your exact costs will be dictated by your individual situation and chosen providers, alongside the value of your property:

    Mortgage arrangement fee: This can be paid upfront or added to your mortgage debt. This would then mean you’d pay interest on this fee. Cost £1,000-£2,000

    Mortgage broker: no extra cost when you go with Fees Free Mortgages

    Valuation and survey fees: Cost £250-£600

    Legal costs: Cost £850-£1,500

    The best time to remortgage isn’t when your mortgage term comes to an end. Instead, you should to start looking for a new mortgage deal at least three months before the expiry date of your current mortgage. However, if for any reason you feel you’d like to find a better mortgage deal for yourself earlier than three months prior to the end of the term, please get in touch and we can help you find the best solution.

    The first thing to consider when planning to remortgage your home is affordability. Consider any additional fees you may need to pay such as an arrangement fee to your new lender or an early repayment fee for leaving your current lender. There may also be legal and valuation fees. After you’ve calculated your approximate budget, it’s time to reach out to a lender or mortgage broker to discuss your plans and options.

    If you’re ready to take the next step towards remortgaging your home and sourcing a better deal for your needs, the Fees Free Mortgages team can help.  We’ll work to scour the entire mortgage market – bringing forth and applying for the best possible remortgaging deal on your behalf. 

    Most people are able to remortgage their home and there are plenty of incentives to do so. Of course, as with every mortgage product, remortgage lenders will have individual sets of criteria that their clients must meet – and that are important to review as an applicant.

    If you’re unsure as to whether remortgaging is the right option for you, or need help kickstarting your journey, Fees Free Mortgages can help. Our experts will explore the different options available to you on your behalf,  helping you sift through the numerous deals to find the right one for you.

    No! Coronavirus will not stop you from remortgaging. Remortgaging deals are still being offered on the market despite the pandemic. In addition to this, advances in technology mean that we can conduct our initial discussion via telephone or over video call, and that we can email you our recommendations. The application process itself can be completed with online ID checks and digital documents – ensuring your safety throughout the process.

    Fees Free Mortgages are proud to offer a comprehensive set of remortgaging services. For free, no-obligation mortgage advice, or to arrange a remortgage consultation, get in touch with us using the contact form above, or over the phone.