When should I remortgage?

The best time is typically 3–6 months before your current deal ends. This gives us time to search the market, apply and have the new mortgage ready to start when your existing deal expires, avoiding the standard variable rate.

Will I have to pay fees?

There may be an early repayment charge if you leave your current deal early. There may also be arrangement fees on the new mortgage and solicitor costs (though many remortgage products include free legals and free valuations). We'll calculate the total cost to ensure switching is worthwhile.

Can I raise capital when I remortgage?

Yes. Many people remortgage to release equity for home improvements, debt consolidation, or to help family members. The amount available depends on your property value, remaining mortgage and income.

Can I remortgage with bad credit?

Yes. While the best rates are available to those with clean credit, we have access to specialist lenders who consider adverse credit remortgages. See our adverse credit page for more details.

Remortgage Advice | Save Money or Raise Capital

Time to Switch?

Whether your current deal is coming to an end, you want to raise additional funds, or you're paying your lender's standard variable rate — a remortgage could save you hundreds of pounds per month. At Chess Mortgages, we search our extensive lender panel to find you the most competitive deal, handle all the paperwork and coordinate the switch from start to finish.

Reasons to Remortgage

Your current fixed rate or deal is ending — avoid the standard variable rate

You want to raise capital for home improvements or renovations

Consolidate debts into a lower monthly payment

Move to a better rate — rates may have changed since you last fixed

Your property has increased in value, giving access to better LTV rates

Change your mortgage term — shorten or extend to suit your needs

Switch from interest-only to repayment (or vice versa)

Release equity to help children buy their first home

Get Expert Advice

Free, no-obligation consultation. We'll be in touch within 24 hours.

How It Works

Initial Consultation

We discuss your situation, income, goals and any concerns — at our expense and without obligation.

Market Search

We search our extensive lender panel including specialist lenders to find the best deal.

Application

We prepare and submit your application, managing all lender communications.

Completion

We coordinate with solicitors and the lender through to completion day.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229), authorised and regulated by the Financial Conduct Authority (FCA No. 748976).

Remortgages

Time to Switch?

Reasons to Remortgage

Get Expert Advice

How It Works

Initial Consultation

Market Search

Application

Completion

Related Services

Secured Loans

Home Mover

Adverse Credit

Frequently Asked Questions

Ready to Get Started?