Remortgage Advice with No Obligation
Let's have a chat. Work with us online, or meet us in St Albans, Hertfordshire or London.
Your mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up payments on your mortgage or on any other debt secured against it. The Financial Conduct Authority does not regulate some forms of Buy to Lets.
WELCOME TO THE MARTEL FAMILY
Remortgage or Product Transfer — which is right for you?
When your fixed rate ends, most people either switch lenders or take a new deal with their current one. Both have their place. The right answer depends on your situation, and it usually takes us less than an hour to work out which way makes sense for you.
We can also look at whether it's worth adjusting your balance at the same time. Releasing some of the value of your home to fund things like home improvements is often easier to arrange at remortgage than at any other point.
Get in touch with us by calling on 01727 309 160 (M-F, 9am-6pm) or submitting our online form. When you call, you'll speak to a real person, based in the UK. They'll take your details and your broker will get back to you directly.
HOW WE WORK TOGETHER
Taking things step by step
Whether you are down the road in St Albans, commuting from Harpenden, or dialling in from a different time zone entirely, we keep our process completely transparent
A Friendly Chat
We talk through your plans over the phone or a coffee to see how I can help.
The Search
We explore mortgage options from high street, specialist lenders, and private banks, to find the right fit for your situation.
The Paperwork
Once you send over your basic documents, we handle the application forms and chase the providers.
Our initial conversation is entirely without obligation. If you would like to run some numbers or just want to ask a quick question, drop us a message.
REMORTGAGE SERVICES
How can we help?
Whether you're coming to the end of a fixed rate or already on your lender's standard variable rate, here's what we can help with.
Rate-switch remortgage: Moving to a new lender to get a better rate. We handle the whole process.
Product transfer: Staying with your current lender on a new product. Quicker and lighter on paperwork.
Capital raising: Borrowing additional funds against your home for improvements, school fees, or other purposes.
Interest-only and repayment switches: Changing your mortgage structure as your circumstances change.
Self-employed and complex income: Remortgaging when your income doesn't fit a standard calculator.
Buy-to-let remortgages: Portfolio or single property, personal name or limited company.
Some lenders allow you to secure a new rate up to six months before your current deal ends. The earlier you look, the more options you have, and best of all if rates improve - we can often change to another product.
WHAT YOU NEED TO KNOW
Remortgage Advice in St Albans, Hertfordshire & Beyond
Remortgaging doesn't have to be complicated. We're here to answer your questions and make sure you're on the right deal.
When should I start looking at remortgaging?
Some lenders let you secure a new rate up to six months before your current fix ends. Starting early means more options and protection against rate changes. Rates go up, great - we're locked in. Rates go down, not a problem - provided there's sufficient time before completion, we may be able to switch you onto a better rate.
If you wait until it expires, you'll likely move onto your lender's standard variable rate (SVR), which is almost always higher, but don't worry if you've already moved to the SVR we can move quickly and get your remortgage or product switch sorted.
What's the difference between a remortgage and a product transfer?
A remortgage means switching to a new lender, which involves a full application, affordability checks, and usually a solicitor. A product transfer stays with your current lender and is much quicker, sometimes completed in days. The right choice depends on whether the saving from switching outweighs the extra process.
Can I remortgage to raise additional funds against my home?
Yes, as long as you have sufficient equity and meet the lender's affordability criteria. The amount you can raise depends on your property value, your outstanding mortgage, and your income. It's assessed separately from your main mortgage and not all lenders offer it. If it's something you're thinking of, we do it all the time, so don't hesitate to get in touch we give advice without any obligation to continue with us after the first chat.
How much does it cost to remortgage?
If you switch lenders, you may face arrangement fees, valuation fees, and legal costs, though many lenders offer fee-free products. If you're still in a fixed rate period, early repayment charges from your current lender can outweigh any saving. We'll check all of that before recommending anything.
Will my credit score be affected if I remortgage?
A full remortgage to a new lender involves a hard credit search, which shows on your file for 12 months but typically has a small and short-lived impact. A product transfer with your existing lender usually only requires a soft search. If your credit profile has changed since you took out your mortgage, it's worth discussing before you apply anywhere.
Have another question? We're happy to help.