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Whole-of-Market Remortgaging Advice & Services

Remortgaging Advice from Whole-of-Market Mortgage Advisers

Looking to reduce your monthly payments, lock in a better deal, or release equity from your home? Remortgaging could be the solution. Our whole-of-market remortgage advisers provide expert guidance to help you find the right deal for your needs.
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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Whole-of-Market Remortgaging Advice & Services

What is Remortgaging?

Remortgaging means switching your current mortgage to a new one, either with your existing lender, or a different provider. This can help you:
Potentially secure a better interest rate than your current mortgage deal
Avoid moving onto your lender’s Standard Variable Rate (SVR)
Release equity for home improvements or other goals
Consolidate existing debts into one manageable payment
Our professional mortgage advisers can assess the whole of market for mortgages to help you compare rates and find a mortgage that suits your financial situation and goals.

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

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

Whole-of-Market Remortgaging Advisers - Book Your No-Obligation Mortgage Rate Review

Why and When Should You Remortgage?

Common reasons homeowners choose to remortgage include:
End of a Fixed Rate: Avoid being switched to a higher SVR when your current deal expires (usually after 2–5 years).
Lower Interest Rates Available: If market rates have dropped since you took out your mortgage, switching could save you hundreds or even thousands.
Access Extra Funds: If your property has gone up in value, you may be able to borrow more for renovations, investments, or other needs.
Consolidate Debt: Use remortgaging to pay off high-interest debts like credit cards or personal loans - but speak to a mortgage adviser to understand the risks.
You can remortgage at any time, but it’s best to review your options 3–6 months before your current deal ends. Some lenders also allow early switching without penalties, so it’s worth checking your terms.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Need tailored remortgage advice? Book a no-obligation call with one of our whole-of-market mortgage advisers today.
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Whole-of-Market Remortgaging Advisers - 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

Whole-of-Market Remortgaging Advice & Services

What Are the Costs of Remortgaging?

Before you switch, it’s important to consider the following costs:

Early Repayment Charges (ERC)

Fees charged by your current lender if you leave your mortgage deal before the end of the term.

Lender or Adviser Fees

This may include arrangement fees from the new lender and, where applicable, a fee for advice and service from your mortgage adviser. We’ll always make any adviser fee clear upfront.

Legal & Valuation Fees

Some remortgage deals include free legal and valuation services, but not all - we’ll help you understand what’s included.

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

    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

Whole-of-Market Remortgaging Advisers - Book Your No-Obligation Mortgage Rate Review

Remortgaging to Release Equity

If your property has increased in value, you may be able to release equity - borrowing more than your current mortgage balance. This can help fund:
Home renovations
A deposit for another property
School fees or major purchases
Our whole-of-market mortgage advisers can help you assess your equity and explore the best options.

Whole-of-Market Remortgaging Advice & Services

Remortgage vs Product Transfer: What’s the Difference?

When your current mortgage deal ends, 
you typically have two choices:

Product Transfer

Stay with your current lender but move onto a new deal. Usually the quickest and easiest option - but not always the most competitive.
REVIEW YOUR MORTGAGE

Remortgage

Switch to a new lender offering potentially better rates or terms. May involve more paperwork but often leads to bigger savings.
REVIEW YOUR MORTGAGE

Remortgage Process: Step-by-Step

We make remortgaging simple - guiding you every step of the way and handling the paperwork for you.
1

Speak to a Remortgage Adviser

We’ll review your existing mortgage deal, financial goals, and eligibility.
2

Search The Whole of Market

As a whole-of-market mortgage advisers, we compare deals from multiple lenders ensuring you get the right deal for you.

3

Agreement in Principle (AIP)

A conditional approval from a lender that shows how much they may be willing to lend you based on a basic review of your financial situation.
4

Submit Mortgage Application

We’ll handle all of the paperwork and liaise directly with the lender on your behalf through to completion.

5

Valuation & Approval

The lender values your property and assesses your application.
6

Completion Time

Your new mortgage is finalised and your previous loan is repaid.

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 impartial 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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