What Is Remortgaging?
Think of remortgaging as switching your current mortgage deal for a new one - either with your existing lender or a new lender. People often remortgage when their fixed rate is ending, to secure a better deal, reduce monthly payments, or release equity from their home.
Remortgaging can help with:
With Zest Money Group, you’ll get remortgage advice that fits your circumstances, your budget, and your future plans.
The Essential Ingredients for a Smooth Remortgage
Remortgaging doesn’t have to be complicated. Once you get in touch with our team, we’ll chat through your current mortgage, what you’d like to achieve, and your financial situation. From there, we’ll assess your options, explain what’s possible, and compare suitable remortgage deals using our whole of market access.
Whether you’re looking to secure a better rate, release equity, or review your monthly outgoings, we’ll guide you through the process from start to finish, from recommendation to application and beyond. Easy peasy lemon squeezy.
Our Remortgage Process
We keep things simple, clear, and stress-free — so you can focus on your plans while we handle the detail.
1. Tell us about your current mortgage
We’ll review your existing deal, when it ends, and what you want your remortgage to achieve.
2. We compare your options
We search for suitable remortgage products based on your circumstances and affordability.
3. We explain the best options
We’ll talk you through rates, fees, features, and any key considerations, so you can make a confident decision.
4. Application and paperwork support
We’ll help submit your application & support you through the paperwork and lender requirements.
5. Completion and next steps
Your new mortgage completes, replacing your current deal. We’ll make sure the process is as smooth as possible.
Frequently Squeezed Questions
We’ve brought together the questions we hear most often and answered them in plain English. No jargon, no fuss — just the clarity you need to move forward with confidence.
When should I start looking at remortgage options?
It’s usually a good idea to start reviewing your options a few months before your current deal ends, so you have time to compare products and avoid moving onto a higher standard variable rate.
Can I remortgage before my fixed deal ends?
Yes, but early repayment charges may apply. We’ll help you weigh up whether switching early makes financial sense.
Can I remortgage with my current lender?
Yes, this is often called a product transfer. We can help you compare that option against deals from other lenders to see what works best for you.
Can I remortgage to release equity?
Potentially, yes. If you’ve built up equity in your property, a remortgage may allow you to borrow more, subject to affordability and lender criteria.
Will I need a valuation?
Possibly. Some lenders use automated valuations, while others may require a physical valuation depending on the case.
Do I need a solicitor for a remortgage?
Often, yes. Although some lenders include free legal work as part of the deal. We’ll explain what’s included with your chosen product.
How long does a remortgage take?
Timescales vary depending on the lender and your circumstances, but we’ll keep things moving and keep you updated throughout.
Making your Remortgage journey ‘Grate’
Why Choose Zest Money Group to help you remortgage?
Whole of market access
We compare remortgage deals from across the market, helping you avoid missing out on a deal that could better suit your circumstances and budget.
Refreshingly Personal Advice
No jargon, no pressure. Just friendly, expert remortgage advice tailored to your goals, whether you want to save money, raise funds, or fix your payments.
Sweet & Social
We keep communication clear and simple throughout the process, so you always know what’s happening, what we need, and what comes next.
Support from start to finish
From your first enquiry to completion, we’re on hand to guide you through each stage and help keep everything moving smoothly.
