SERVICES

Remortgage Advice in Essex

Looking to switch your mortgage, borrow more, or secure a better deal? Let’s explore what’s possible.

Thinking About Remortgaging? I’m Here to Help

Remortgaging doesn’t have to be stressful. Whether you’re coming to the end of a fixed-rate deal, planning home improvements, or just want a better offer, I can help you understand your options and make the right move.

I’m Ian Smith, a qualified mortgage and protection advisor with over 25 years of experience. I work with clients across Essex and the wider UK, offering straightforward remortgage advice and full support from start to finish.

Whole of Market Advice That Works for You

As a mortgage advisor and broker, I’m not tied to one lender. I search across the whole UK mortgage market to find a deal that suits your circumstances, not just what’s available from your bank.

That means better options, more flexibility, and someone in your corner who’ll explain everything clearly.

Why People Remortgage – And How I Can Help

To get a better rate

When your current mortgage deal ends, you could be moved onto a higher standard rate. Remortgaging can help you avoid that and save money on monthly repayments.

To release equity

If your home has increased in value, you may be able to release some of that equity. This can be used for renovations, big life changes or other financial goals.

To fund home improvements

From loft conversions to new kitchens, many people use a remortgage to cover renovation costs. I’ll help you assess whether it’s the right route for you.

To consolidate debt

In some cases, a remortgage can help tidy up other borrowing. I’ll talk you through the pros and cons, so you know exactly what to expect.

If you’re self-employed

Being self-employed doesn’t mean you can’t remortgage. I work with lenders who understand a range of income types and trading histories.

What You Can Expect When You Work With Me

Personal advice based on your income, goals and current mortgage

Access to lenders across the whole market, including specialist options

Clear guidance with no jargon or pressure

Help completing your remortgage application

Flexible appointments by phone or video

Advice on life cover or income protection if needed

Frequently Asked Questions

How does remortgaging work?

You move your current mortgage to a new deal, either with your current lender or a new one. This can help reduce your payments, release funds, or give you more flexibility.

Can I remortgage with bad credit?

Yes, though it depends on your situation. I work with lenders who consider past credit issues and can help you understand your chances.

Are there costs involved?

Sometimes yes. This might include legal fees, valuation costs, or early repayment charges. I’ll help you get a clear picture before you commit.

How quickly can I remortgage?

Most cases take a few weeks, but it depends on the lender. I’ll manage the timeline and keep you updated throughout.

Can I remortgage to buy another property?

If you have enough equity and meet affordability checks, it could be an option. I’ll talk you through the details and what’s possible.

Let’s Explore Your Remortgage Options

Whether you want to save money, release equity or start fresh with a new deal, I’m here to make the process simple.

Book an appointment online or call me on 01708 535 946 for a quick chat about what’s possible.

01708 535 946