Remortgage Advice – Find a Better Deal on Your Mortgage
Expert Remortgaging Support – Save Money, Plan Ahead, and Stay in Control
Is your current mortgage deal coming to an end? Are you looking to lower your monthly payments, release equity, or consolidate debts? At Home Sorted, we make remortgaging straightforward — with independent advice tailored to your situation and goals.
Whether you're switching lenders, borrowing more, or reviewing your options, we’ll help you find the most suitable remortgage deal from across the market
What Is Remortgaging?
Remortgaging means moving your current mortgage to a new deal — either with your existing lender or a new one. It can help you:
Avoid high standard variable rates
Get a better interest rate
Raise money from your home’s equity
Consolidate loans or credit card debt
Switch to a mortgage that suits your lifestyle
Why It’s Important to Review Your Mortgage Early.
When your initial mortgage deal ends — like a 2-year, 3-year or 5-year fixed rate — your lender will automatically move you onto their Standard Variable Rate (SVR). This rate is usually much higher than the one you had before and can increase your monthly payments significantly.
That’s why remortgaging before your current deal ends is so important.
By starting the process 3 to 6 months in advance, you can:
Lock in a better deal early
Avoid being moved to a costly SVR
Protect yourself in case interest rates rise
And don’t worry — if you lock in a rate and interest rates go down before completion, we’ll switch you to a better deal. You’ll never lose out by being proactive.
Why Remortgage with Home Sorted?
We search the market – including lenders not available direct to consumers
Advice tailored to you – based on your income, plans, and current financial situation
No hassle – we take care of the paperwork and deal directly with the lender
Quick turnaround – ideal if your fixed rate is ending soon
No-obligation guidance – free initial chat to explore your options
Common Reasons Our Clients Remortgage:
Fixed-rate deal ending soon
Looking to save on monthly repayments
Releasing funds for home improvements or personal needs
Consolidating unsecured debts
Property value has increased
Wanting more flexibility or better features in their mortgage
Your Property May Be Worth More — And That Can Mean a Better Deal
When you remortgage, lenders look at something called Loan-to-Value (LTV). This is the percentage of your home’s value that you’re borrowing.
For example:
If your home is worth £300,000 and your mortgage is £240,000 — your LTV is 80%
But if your home has gone up in value to £330,000, your LTV drops to 73%
Lower LTV = better rates
Lenders offer their best rates to borrowers with lower LTVs — usually under 85%, 75%, or 60%. So if your property has increased in value since you bought it, you may now qualify for much more competitive deals.
That’s why it’s so important to review your mortgage regularly — especially in a rising market.
Want to Know Your Current LTV? Ready to Review Your Mortgage?
The best time to start looking at remortgage options is around 3–6 months before your current deal ends. That gives us time to secure a competitive new rate — and avoid the risk of paying more than you need to.
We’ll check your latest property value and tell you your updated LTV — free of charge. You could be eligible for a lower interest rate without even realising it.
Get in touch today for a free, friendly remortgage review.
Let’s make your mortgage work better for you
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
Home Sorted is a trading style of Instant Mortgage Solutions Limited who is authorised and regulated by the Financial Conduct Authority.
FRN 938412 Registered in England & Wales, Company registration No. 12463907. Registered office: 21 Station Parade, Hornchurch, RM12 5AB.