Remortgages
Coming to the end of your current deal or looking to reduce monthly payments? We will compare remortgage options and help you decide whether to switch, fix, or release equity.
Learn moreResidential · Buy-to-let · Remortgage
Remortgages
Find the right remortgage with clear guidance, competitive options, and personal service from an FCA-authorised UK broker. Whether you are switching deals, releasing equity, consolidating borrowing, or reviewing your property finance, we will help you compare lenders and secure a remortgage that suits your goals and budget.
Risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
Repayment preview
LTV
80%
Est. monthly
£1,718
Total repayable
£515,332
Illustration only. Actual lender figures depend on status, product fees and timing. Use a full recommendation for exact costs and suitability.
Who we help
- Remortgagers looking to reduce monthly payments.
- Buy-to-let purchases and remortgages.
Quick eligibility guide
- UK resident
- Provable income
- Fair credit history
- Not currently in arrears
Good to know
- Product fees, valuation and legal costs may apply.
- Early repayment charges can apply during fixed or tracker periods.
- For interest-only, you must have a credible repayment plan.
Why choose us as your remortgage broker?
FCA-authorised, UK-based advisers.
Access to a wide panel of mainstream and specialist lenders.
Personal, jargon-free advice and fast decisions.
No-obligation quotes and transparent costs.
Remortgage solutions we can help with
Buy-to-let mortgages
For new and experienced landlords. We will guide you through rental stress tests, limited company vs personal ownership, and the impact of interest coverage ratios.
Learn moreSelf-employed & contractor mortgages
We understand complex income. We will present your case properly using the right documents to widen lender options.
Learn moreAdverse credit & complex cases
Do not discount your chances if you have had missed payments, defaults, CCJs, or thin credit files. Certain specialist lenders may still consider your application depending on your overall profile.
Learn moreHow the remortgage process works
- 1
Quick enquiry
Tell us about your plans and circumstances.
- 2
Affordability and documents
We assess your budget and collect the right paperwork.
- 3
Lender comparison
We search suitable lenders and recommend options.
- 4
Agreement in principle
Strengthen your position with an AIP where appropriate.
- 5
Full remortgage application
We manage submission, valuation and underwriting.
- 6
Offer and completion
We work with your solicitor and lender through to completion.
What lenders consider
- Income and employment history, including self-employed track record.
- Credit history and existing commitments.
- Deposit size, equity position and property type.
- Loan-to-value and affordability stress testing.
- For buy-to-let (BTL): Expected rental income for buy-to-let applications.
Buy-to-let mortgages are loans secured on properties that are rented out to tenants rather than lived in by you.
Representative example (illustration)
A remortgage of £200,000 over 25 years at a yearly rate of 5.49% would be about £1,227 per month.
Total to repay around £368,400 including fees. Examples must be fair, clear and not misleading, and shown with equal prominence.
Remortgage FAQs
View all FAQsHow much can I borrow?
Lenders assess affordability using income, commitments, credit profile and stress rates. We can give you a tailored indication once we understand your circumstances.
Fixed or tracker, which is better?
Fixed rates offer payment certainty, while trackers can move with the market. The better fit depends on your priorities, time horizon and appetite for risk.
I’m self-employed, will that be a problem?
Not necessarily. Many lenders consider self-employed applicants, but the presentation of accounts, tax returns and income structure matters.
Can I consolidate debts through a remortgage?
Sometimes, where it is suitable. Lower monthly outgoings can still mean more interest paid over a longer mortgage term, so we compare the trade-offs clearly.
Can I remortgage early?
Yes, but early repayment charges may apply during your current deal period. We’ll check dates and costs before recommending a switch.
Are buy-to-let mortgages interest-only?
Many are, although repayment options exist. Lenders will stress-test rental income and review your wider property profile.
Ready to talk?
Get a free, no-obligation chat with a UK-based adviser. We will explain your options clearly and help you decide your next step with confidence.
Important information
Mortgage and secured borrowing risk: Your home may be repossessed if you do not keep up repayments on your mortgage or any debt secured on it.
Fees: If we charge a fee for our service, we will tell you the amount and when it becomes payable before you proceed.
Commission: We may receive commission from a lender if you go ahead with a product we introduce. On request, we will disclose the amount or likely amount received.
Products and lending criteria are subject to eligibility and affordability checks. Rates and terms vary by lender and may change.
Calls may be recorded for monitoring, training and quality assurance.
Important information
Wednesday Financial Services is a credit broker, not a lender. We work with a panel of lenders to find suitable options for you and keep information clear and fair so you can make informed decisions.
- Mortgage & Secured borrowing risk: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Think carefully before securing other debts against your home.
- Fees: If we charge a fee for our service, we'll tell you the amount and when it becomes payable before you proceed.
- Commission: We may receive a commission from a lender if you go ahead with a product we introduce. On request, we will disclose the amount (or likely amount) of any commission we receive.
- Products and lending criteria are subject to eligibility and affordability checks. Rates and terms vary by lender and may change.
- Calls may be recorded for monitoring, training and quality assurance.