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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Frequently Asked Remortgage Questions

Can I remortgage early?

Yes, you can remortgage before your current deal ends, but you’ll need to check for any early repayment charges (ERCs). These are fees your current lender may charge if you leave during a fixed-term period. However, some lenders allow you to start the remortgage process within a window (e.g. 3–6 months before your deal ends) without penalty.

Will I need a solicitor to remortgage?

Usually, yes - if you're switching lenders. A solicitor or conveyancer is needed to handle the legal work when moving to a new provider. Many lenders offer free legal services as part of their remortgage deals. If you’re staying with your current lender (a product transfer), a solicitor is generally not required.

What if I have bad credit - can I still remortgage?

Yes, it’s still possible to remortgage with bad credit. There are lenders that specialise in helping clients with poor or limited credit histories. You may need to provide more documentation, and the rates might be slightly higher, but a whole-of-market adviser can help you find suitable options.

How long does the remortgaging process take?

Typically 4 to 8 weeks. If you're staying with your current lender, it may take just a few days. Switching to a new lender usually involves a property valuation, underwriting, and legal work - your adviser will manage the process and help avoid delays.

Can I switch mortgage providers if I’m self-employed?

Yes, you can. Many lenders offer remortgage deals for self-employed individuals. You’ll generally need to provide 1–3 years of accounts or SA302s, and proof of consistent income. An adviser can guide you through the process and help you prepare the right documents.

Need tailored remortgage advice? Book a no-obligation call with one of our whole-of-market mortgage advisers today.

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Book Your No-Obligation Mortgage Rate Review

Signs It's Time to Review Your Mortgage

You should consider speaking to a remortgage adviser if:
Your fixed-rate deal is coming to an end
You’ve been moved to a Standard Variable Rate (SVR)
Interest rates have fallen since your last deal
Your property has risen in value
You want to reduce monthly payments or consolidate debts

Local Whole-of-Market Mortgage Advisers

How Much Could You Save by Remortgaging?

The potential savings from remortgaging can be significant. For example, if you’re currently paying 4% interest and switch to 2%, the difference could reduce your monthly payments and total loan cost dramatically.

Contact us to speak to a qualified, local mortgage adviser to discuss your options. We offer no-obligation mortgage reviews, with access to the whole-of-market for mortgages.
SPEAK TO A MORTGAGE ADVISER

Our Mortgage Advisers

Our whole-of-market mortgage advisers will help you find the right deal, whether you're goal is to save money, releasing equity, or consolidating debts.

  • Alex Hudson

    Mortgage Adviser Based in Gosport, Hampshire

    Charles Boyd

    Mortgage Adviser Based in Waterlooville, Hampshire

    Clare Cheeseman

    Mortgage Adviser Based in Portsmouth, Hampshire

    Christine Poynter

    Mortgage Adviser Based in Gosport, Hampshire

  • Mandy Puntis

    Mortgage Adviser Based in Romsey, Hampshire

    Mark Hurst

    Mortgage Adviser Based in Waterlooville, Hampshire

    Olivia Rowell

    Mortgage Adviser Based in Poole, Dorset

    Tracy Farrington

    Mortgage Adviser Based in
    Southampton, Hampshire

  • Tim Meiris

    Mortgage Adviser Based in Fareham, Hampshire

    Will Ashley

    Mortgage Adviser Based in Gosport, Hampshire

Book a free consultation with a remortgage adviser today and find out how much you could save.

Have you been thinking about remortgaging? At Beals Mortgage & Financial Services, we’re here to help you navigate the remortgage process from start to finish. As whole-of-market mortgage advisers, we offer professional advice and access to deals that may not be available directly to the public.

All consultations with our mortgage advisers are free of charge, including a free review of your current mortgage. There’s no obligation - fees only apply if you choose to proceed with our advice.
MORTGAGE RATE REVIEWOUR MORTGAGE ADVISERS

Free, No-obligation Remortgage Consultation

Fill in the form below and one of our expert advisers will be in touch to guide you through the next steps.

Our consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply but we’ll always be transparent and discuss any costs with you.
Free Remortgage Consultation | Whole of Market Remortgage Advice

Tax treatment varies according to individual circumstances and is subject to change.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited. March 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166
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