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Remortgaging: The essential steps you should take when your mortgage ends

Guides

If your mortgage deal is coming to an end or it’s already expired, you should consider remortgaging. This guide reveals the essential things you need to know.

The government previously estimated 57% of fixed-rate mortgages ending in 2023 had an interest rate below 2%. When these mortgage deals end, it’s very likely that households will now need to pay a much higher interest rate.

While remortgaging could still mean outgoings rise, it could help secure a more competitive interest rate and save you money over the full mortgage term.

As remortgaging is something that you’ll probably do several times, it’s important to understand how it works and the steps you can take to make the process smoother.

The guide explains:

  • Why homeowners remortgage
  • How remortgaging could save you money
  • Practical steps you can take when you’re ready to remortgage
  • How a mortgage broker can be valuable during the remortgaging process.

Download your copy of ‘Remortgaging: The essential steps you should take when your mortgage ends’ now to understand why remortgaging is important and to potentially save money.

If you have any questions about mortgages and the remortgaging process, please contact us.

What our clients say

I would like to thank EBS and their staff for providing an excellent service, making the minefield of my various pensions seem like an easy task and for keeping me updated on the progress. I would not hesitate in recommending them to anyone looking for pension advice.

Trust and expertise were my key needs for re-establishing my financial portfolio following a divorce. The replacement life cover and complete evaluation of my pension goals were perfectly designed and implemented to suit my changed circumstances. Well done EBS!

Honest and comprehensive financial advice given with no pressure to buy any products. Reasonable fees for advice and ongoing costs. Very happy with the services given.

Many thanks for taking so much time to meet and discuss our retirement funding plans with us yesterday. The detail of the analysis was very impressive, and you and your staff are to be congratulated on a very professional job.

Our grateful acknowledgements are due for the advice and support proffered by the EBS team and everyone we met at entry, all very courteous, personable and a pleasure to meet.

The ‘Portfolio Report’ that EBS offers has made understanding and managing the family budget so much simpler. It gives a detailed summary and breakdown of our overall financial position, which is so helpful when cross-referencing it.

Thank you for your very comprehensive letter and schedules.... I must reiterate my thanks for all you have done for me.

Many thanks indeed to you and EBS for doing your very best for me. I know I am in safe hands with you. It really is very much appreciated!

I would also like to thank you all for the work in getting this organised for us. I know it has not been easy but I really appreciate it all.

FR, Lanark

JS, Glasgow

IM, Dunbartonshire

RS, Biggar

BW, Skelmorie

MP, Glasgow

BA, Salisbury

MR, Glasgow

NM, Glasgow

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