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Remortgaging Services

Invest in Brighton & Hove's Strong Rental Market

Remortaging in Brighton & Hove

Your existing mortgage deal may be coming to an end and you’re about to move onto the lender’s standard variable rate, which could result in an increase in your monthly mortgage payments.

Remortgaging before your term ends could potentially save you money by switching to another deal or another lender. There are plenty of reasons why you might want to consider a remortgage – perhaps you want to cover the cost of home improvements or pay off more expensive debts.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Whatever your requirements, we are here to help.

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Remortgage services for homeowners in Hove, Brighton and Sussex

Why Remortgage?

Mortgage Broker in Hove

Save Money

When your fixed rate ends, you move to your lender’s standard variable rate which could be a bit higher. Switching could save you significant depending on your individual circumstances.

Mortgage Broker in Hove

Release Equity

If your Brighton or Hove property has increased in value, you could release equity for home improvements, extensions, or other purposes.

Mortgage Broker in Hove

Consolidate Debts

Pay off expensive debts by consolidating them into your mortgage at a better interest rate, aiming to reduce your monthly payments.

Mortgage Broker in Hove

Better Terms

Your circumstances may have improved – better credit score, higher income, or more equity – unlocking access to better rates and terms.

When Should You Remortgage?

Reviewing remortgage options with David Lewis at the Hove office

Remortaging in Brighton & Hove

Your Fixed Rate is Ending

Most people remortgage when their initial fixed rate period ends (typically 2-5 years). Moving to a new deal before going onto the SVR can save significant money each month.

Example: On a £300,000 mortgage, moving from a 6% SVR to a 4.5% fixed rate saves approximately £250 per month (approximately £3,016 per year).

Your Property Value Has Increased

Brighton and Hove property values fluctuate. If your home has increased in value, you’ll have a lower loan-to-value ratio, which unlocks better mortgage rates.

You may also be able to release equity for home improvements, helping you create your ideal Brighton or Hove home.

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The FCA does not regulate Commercial Mortgage, Conveyancing, Borrowing capacity in relation to court proceedings, solicitors and some forms of Tax planning and Buy to Let mortgage services.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The information given in this website does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. The FCA does not regulate some forms of buy to let mortgages.

If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).

David Lewis Mortgage Management is a trading name of David Lewis. David Lewis is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Register No 654487. Calls may be recorded for training and monitoring.

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