Mortgage Advice



Find what works for you

Remortgaging means switching to a new mortgage to take advantage of better rates, release equity, or consolidate debt. You pay off your current mortgage and take out a new one, which can be with a new or current lender, with different terms. It can save you money, but consider costs like fees before making a decision.
Switch to a new provider to take advantage of improved rates
Consolidate your existing debt
Release equity from your home
Consider all available remortgaging options
Our Process

Your journey

Speak to an adviser

One of our financial advisers will contact you using your preferred method of contact to discuss your financial financial objectives and current circumstances.

Find a plan that works for you

Our advisers will take into consideration the financial goals and objectives that are most important to you and offer advice in meeting these goals and objectives.

Begin your journey

Now you're on the road to financial freedom. Your adviser will continue to support you throughout your journey with us, putting your needs at the forefront of every decision.

Making an informed decision.

If interest rates have fallen since you took out your current mortgage, remortgaging can allow you to secure a lower rate, reducing your monthly payments and overall cost of borrowing.
The mortgage market is highly competitive, and by remortgaging, you may be able to take advantage of more attractive deals, such as lower fees or more flexible terms.
If your property has increased in value since you took out your current mortgage, remortgaging can allow you to release some of the equity, giving you access to cash for home improvements, debt consolidation, or other expenses.
By remortgaging, you may be able to consolidate high-interest debts, such as credit card balances or personal loans, into your mortgage, which typically has a lower interest rate, reducing your monthly payments.
Remortgaging can also allow you to shorten the term of your mortgage, meaning you will pay off your loan faster and save money on interest over time.
Remortgaging often involves costs such as arrangement fees, valuation fees, and legal fees, which can be significant. These costs may outweigh the potential savings from remortgaging, especially if you plan to move home soon.
If you're still within the initial fixed or discounted rate period of your current mortgage, remortgaging may trigger early repayment charges, which can be expensive.
If the value of your property has fallen since you took out your current mortgage, remortgaging could leave you in negative equity, meaning you owe more on your mortgage than your property is worth.
If your financial situation has changed since you took out your current mortgage, you may find it difficult to qualify for a new mortgage with favourable terms, especially if you have a low credit score or significant debt.
By consolidating existing debt into a new mortgage loan you will incur extra costs, as you are repaying this debt over a longer term and you will be using your property as security where the debt was previously unsecured.
If you switch to a variable rate mortgage, your monthly payments could go up if interest rates rise in the future, leaving you with less financial stability.
Get in touch

Ready to start your journey with Absolute?

Speak to an adviser
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Important Information

It is important to understand the risk associated with any form of financial product as well as the fees involved.

Risk Warning

Your home may be repossessed if you do not keep up the repayments on your mortgage.

Our Fees

A fee of £795 when you apply for an equity release product, we will also be paid a commission from the lifetime mortgage lender / home reversion plan provider.

A fee of £145 when you apply for a mortgage product switch or mortgage transfer, we will also be paid a commission from the lender.

A fee of £395 when you apply for a mortgage purchase or re-mortgage, we will also be paid a commission from the lender.

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