Rate secured six months early.
Most people leave their remortgage too late and end up on their lender’s standard variable rate for a month or two, which can cost hundreds of pounds. We reach out six months before your fix ends, lock in the best available rate, and switch it if a better one appears before completion.
- Six-month rate lock, We secure your new rate up to six months in advance of your current deal expiring.
- Free rate switch if better appears, If a lower rate becomes available before completion, we switch you at no cost.
- Large lender panel comparison, Not just your current lender’s renewal offer, we compare across every lender.
- Product transfer where appropriate, Sometimes staying with your current lender is genuinely the right answer. We tell you when.
- Access equity for home improvements, If you want to release capital for an extension or debt consolidation, we can build that in.
Three steps. One person. No jargon.
The same process for every remortgages enquiry, whether it is your first mortgage or your fifth.
The introduction call
Your broker learns your situation before looking at products. Income, plans, what has already been said elsewhere. Early mornings, late evenings and weekends available. No pressure, no forms up front.
Compare the lenders
Access to every mainstream lender and a wide range of specialist lenders through PRIMIS. We sit down, explain the trade-offs plainly, and put a recommendation in front of you. Often a decision in principle the same day.
Identify a way forward
Once we have a recommendation, we move straight on to life insurance, critical illness and income protection built around the household. Policies are written in trust so the right people get the right money at the right time. Handled in the same conversation, not as an afterthought.
Get the keys
We handle the application, the valuation, the underwriter questions, the solicitor chase. Offers usually land in forty-eight hours to two weeks. We stay in touch for the next remortgage.
What you will pay.
For mortgage advice we charge a fee of between £457 and £857, payable on completion. The exact figure depends on the complexity of your case and is agreed with you in writing before we start any work.
For most straightforward residential mortgages our commission from the lender alone covers our work and there is no fee to you at all. Where a case is more involved (buy-to-let portfolios, adverse credit, unusual income) the fee applies.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Questions we get about remortgages.
01When should I start looking at remortgaging?+
Six months before your current fixed rate expires. That gives us enough time to lock in a rate now and switch to a better one if it appears before completion.
02Is it always worth switching lender?+
Not always. Sometimes your current lender’s product transfer is genuinely competitive and involves less paperwork. We compare both options and recommend whichever is best for you.
03What if my property has fallen in value?+
It happens. If your loan-to-value has moved into a higher band, your rate options change but there are still options. We explain the trade-offs and let you decide when to move.
04Can I release equity when I remortgage?+
Yes, subject to affordability and the lender’s policy. It can be a cost-effective way to fund an extension, a new car or debt consolidation. We work through the numbers with you.
Where clients typically go next.
Life happens.
Let’s take care of it together.
Book a call with the A&L team. Every case is dealt with by one broker from start to finish. Evenings and weekends available. No forms up front, no pressure.