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If you know anything about mortgages, you will know that there’s a wide range of lenders, deals and terms out there. However, if you already own a property and have a mortgage, you open up even more options – this is called remortgaging. You might have a mortgage in place, but are you sure it’s as well suited to you as it once was? Are you sure you’re currently getting the best deal, or are you possibly paying more than you should be? Circumstances change, rates fluctuate and new deals hit the market. If you want the peace of mind that comes with knowing you’ve got the ideal mortgage, you might need to switch things up.
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Remortgaging has always been important, but it’s playing an even more important role in household financial planning in 2026. With interest rates continuing to fluctuate, lenders frequently updating their criteria and property values changing significantly, staying with an outdated mortgage deal could mean paying more than you need to each month.
Remortgaging is the process of switching from your current mortgage to a new deal, either with your existing lender or by moving to an entirely new provider, all without changing your property. It’s a common misconception that a mortgage is something you only have to think about once, when you first buy your home, and then you can let it run in the background going forward. But, that’s not the case. Regularly reviewing and remortgaging can have a big impact on your finances over time, especially if you’re able to find a deal with better terms and rates.
There are a lot of reasons to remortgage, with some homeowners seeking lower interest rates and more manageable monthly payments, and others wanting to release equity from their home. You might even decide to remortgage to raise funds for home improvements or education, or because you want to access capital to support another property purchase. Whatever the reason, remortgaging isn’t just about saving money, it’s about ensuring your mortgage aligns with your current circumstances, finances and long-term goals.
The reasons for remortgaging tend to be different depending on whether you’re a homeowner, limited company director, buy-to-let landlord or a portfolio landlord. You might even decide to remortgage because of bad credit, especially if you’ve got CCJs and defaults on your credit report. Some of the most common types of remortgage deal include:
When remortgaging is done right, it can give you a whole host of long-term, financial advantages. This is why it’s so important to review your lender, deal and terms regularly.
One of the most common reasons for remortgaging is to reduce monthly payments. It’s not uncommon for borrowers to unknowingly roll onto their lender’s Standard Variable Rate (SVR) once a fixed or tracker deal comes to an end. SVRs are often considerably higher than the best deals available on the market, resulting in higher than necessary payments. In fact, switching from a higher variable mortgage rate to a lower fixed mortgage rate could save thousands over the course of a mortgage term. On a large mortgage balance, even a very small reduction in interest rates can have a big impact.
When you remortgage, you have the chance to choose a mortgage that suits your appetite for risk. Fixed rate mortgages can provide peace of mind by keeping monthly payments predictable, whereas tracker rate mortgages or discounted deals might suit you better if you’re comfortable with some level of fluctuation. This stability is particularly valuable when managing household budgets or planning for future financial commitments.
As you repay your mortgage and your property value increases, you build equity. Remortgaging can allow you to unlock some of that equity at mortgage interest rates – which are typically lower than other forms of borrowing – and use the money for other reasons. You might decide to use it for home renovations, extensions or home improvements. You might need to support a family member financially, or maybe you need a deposit for a buy-to-let investment or a second property. The choice is yours.
It’s a tale as old as time, but new products often come with new features, and that’s certainly the case with mortgages. When you remortgage, you have access to newer mortgage products, which often come with more flexible features, such as overpayment allowances, payment holidays, reduced early repayment charges and flexible repayment options. These might not be features you have access to on your current mortgage deal. Remortgaging gives you the opportunity to upgrade not just your rate, but the overall structure of your mortgage.
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Keri DrayKeriDTrustindex verifies that the original source of the review is Google.
We have used John at Everest Mortgages for years for mortgage advice on our properties. He’s always spot on with his advice and finds the best rates. Really easy to talk to - would highly recommend.Posted on Google
Karl BushAs a first-time buyer, navigating the mortgage process felt overwhelming at first, but working with John and his team made all the difference. From the first phone call through to the finish, John was exceptionally helpful, patient, and knowledgeable, and just down to earth, this gave me great reassurance as I had no idea about the process and what was involved. What stood out most was how accessible he was. It genuinely felt like he was always at the other end of the phone whenever I had a question or needed reassurance. He guided me smoothly through every step of the journey and secured a fantastic rate for me. I couldn't have done it without him and wouldn't hesitate to recommend 'Everest Mortgage Services' to anyone buying their first home, or any home for that matter! I have already passed on his business cards to my close friends and family. Truly a 10 out of 10 experience! Thank you again John, to you and your fantastic team!Posted on Google
Zara “First time buyer” HillsI am so happy we chose Everest mortgage services and I would recommend to everyone! John made the process as easy, efficient and detailed as possible. He has been the most valuable part to this mortgage journey. He really wants to help us as much as he can and John is equally as invested in the success of the process as we are. John started by giving us several options and he was very honest and understanding throughout. As soon as we needed a mortgage in principle, he was so efficient and kindly set the next available time to write this for us. Communication was excellent, he has always been available if we’ve had any question, big or small. Thank you John for making this the best experience, it has been a joy to work with you.Posted on Google
Ryan KellyWe recently used John to take out a new mortgage and we can’t thank him enough the process was smooth and very quick. Highly recommend.Posted on Google
Connor MichaelWe had a great experience with John and can’t recommend him enough. He was incredibly friendly and walked us through the process, exploring and explaining all of our options and was always available throughout the process for help and advice, making a daunting process very stress-free. His knowledge, professionalism and communication was just what we needed and we really appreciate the time and effort he put in to helping us. Very positive experience overall and wouldn’t hesitate to recommend his services!Posted on Google
Anton DyleuskiJohn was fantastic to work with. Our mortgage application was initially declined by the bank for what was clearly an unreasonable reason, but John didn't give up. He put together a well-prepared complaint, and thanks to his efforts the bank reversed its decision. Communication was excellent and timely throughout - a real pleasure to deal with. Highly recommend John!Posted on Google
Yve MartinJohn has been invaluable in the process of my remortgage. He took time and care to understand my situation and support in every step of the way. His communication was clear and always super quick. His services really are worth every penny and I wouldn’t hesitate recommending him to anyone going through a similar process. Many thanks John!Posted on Google
Ella HislopJohn was great throughout the entire process - super informative, responsive, friendly and efficient! Would 100% recommend. We were first time buyers and he put us completely at ease and went the extra mile every time we had a question / needed some help.Posted on Google
Melissa ElstonJohn provided a five star service from start to finish. The whole process was very slick and extremely professional. Obtaining our mortgage was not a straight forward request due to being a new build property but John advised on what information we would require and spoke with all the right people to get our mortgage over the line. Will be using him again in the future.Posted on Google
Matt PourzandJohn was efficient, friendly, and a great communicator. He was very knowledgeable and handled our case with efficiency. John made the whole process much smoother than expected, and I would 100% recommend his service!
It’s one thing to know why you should remortgage, it’s another to know when you should remortgage. There are certain situations where it’s a good idea to review things, such as:
If your fixed rate mortgage or tracker rate mortgage is due to end within the next six months, it’s the ideal time to explore remortgaging options. Acting early allows you to secure a new rate in advance and avoid reverting to a higher SVR, which is a risk if you leave things too late.
There’s always something changing in the world of mortgages, and a lot of these changes can impact your rate. Changes often create opportunities for you to lock in more competitive rates or mortgage products that weren’t available when you last applied.
A lot of homeowners find that their property increases in value over the years and, if that’s the case for you, remortaging allows you to capitalise on that. A higher property valuation can reduce your loan-to-value (LTV) ratio, and lower LTVs tend to attract better interest rates. This means you could potentially access deals that were previously out of reach.
There’s no knowing what’s around the corner, and your circumstances could have changed since you applied for your current mortgage. You might have had a promotion or payrise, meaning your income is higher than it was. You might have paid off a chunk of debt or reduced your borrowing, improving your credit history. Anything that improves your financial standing or credit profile can widen the range of mortgage deals available to you.
Many homeowners remortgage to raise funds for a deposit on a buy-to-let property. When done strategically and with professional advice, this can be an effective way to grow a property portfolio while maintaining manageable borrowing levels.
Remortgaging can reduce your monthly payments, release equity and provide greater financial certainty, but only when it’s done correctly. At Everest Mortgages, we’ll review your current mortgage, explain your remortgage options clearly and guide you through the entire process, helping you to make informed decisions with confidence.
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John has been invaluable in the process of my remortgage. He took time and care to understand my situation and support in every step of the way. His communication was clear and always super quick. His services really are worth every penny and I wouldn’t hesitate recommending him to anyone going through a similar process. Many thanks John!
Read on Google John was great throughout the entire process – super informative, responsive, friendly and efficient! Would 100% recommend. We were first time buyers and he put us completely at ease and went the extra mile every time we had a question / needed some help.
Read on Google Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
Read on Google As a first-time buyer, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable. John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer. His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way. I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
Read on Google We’re do I start I’m so glad I got recommended to John. He made getting a mortgage feel so easy and effortless. Every question I had to ask John he was so quick to get back to you. He made you feel like he couldn’t do enough. I can not thank him for making it feel personal like he knew us and wanted the best outcome. He also is one of the nicest person I have ever met. If I was going to recommend anyone it would 100% be John.
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John spent 7 years in banking before becoming a mortgage adviser in 2012. He's CeMAP-qualified, searches the whole market, and handles your case himself from first call to completion.
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Posted on GoogleKeri DrayKeriDWe have used John at Everest Mortgages for years for mortgage advice on our properties. He’s always spot on with his advice and finds the best rates. Really easy to talk to - would highly recommend.Posted on GoogleKarl BushAs a first-time buyer, navigating the mortgage process felt overwhelming at first, but working with John and his team made all the difference. From the first phone call through to the finish, John was exceptionally helpful, patient, and knowledgeable, and just down to earth, this gave me great reassurance as I had no idea about the process and what was involved. What stood out most was how accessible he was. It genuinely felt like he was always at the other end of the phone whenever I had a question or needed reassurance. He guided me smoothly through every step of the journey and secured a fantastic rate for me. I couldn't have done it without him and wouldn't hesitate to recommend 'Everest Mortgage Services' to anyone buying their first home, or any home for that matter! I have already passed on his business cards to my close friends and family. Truly a 10 out of 10 experience! Thank you again John, to you and your fantastic team!Posted on GoogleZara “First time buyer” HillsI am so happy we chose Everest mortgage services and I would recommend to everyone! John made the process as easy, efficient and detailed as possible. He has been the most valuable part to this mortgage journey. He really wants to help us as much as he can and John is equally as invested in the success of the process as we are. John started by giving us several options and he was very honest and understanding throughout. As soon as we needed a mortgage in principle, he was so efficient and kindly set the next available time to write this for us. Communication was excellent, he has always been available if we’ve had any question, big or small. Thank you John for making this the best experience, it has been a joy to work with you.Posted on GoogleRyan KellyWe recently used John to take out a new mortgage and we can’t thank him enough the process was smooth and very quick. Highly recommend.Posted on GoogleConnor MichaelWe had a great experience with John and can’t recommend him enough. He was incredibly friendly and walked us through the process, exploring and explaining all of our options and was always available throughout the process for help and advice, making a daunting process very stress-free. His knowledge, professionalism and communication was just what we needed and we really appreciate the time and effort he put in to helping us. Very positive experience overall and wouldn’t hesitate to recommend his services!Posted on GoogleAnton DyleuskiJohn was fantastic to work with. Our mortgage application was initially declined by the bank for what was clearly an unreasonable reason, but John didn't give up. He put together a well-prepared complaint, and thanks to his efforts the bank reversed its decision. Communication was excellent and timely throughout - a real pleasure to deal with. Highly recommend John!Posted on GoogleYve MartinJohn has been invaluable in the process of my remortgage. He took time and care to understand my situation and support in every step of the way. His communication was clear and always super quick. His services really are worth every penny and I wouldn’t hesitate recommending him to anyone going through a similar process. Many thanks John!Posted on GoogleElla HislopJohn was great throughout the entire process - super informative, responsive, friendly and efficient! Would 100% recommend. We were first time buyers and he put us completely at ease and went the extra mile every time we had a question / needed some help.Posted on GoogleMelissa ElstonJohn provided a five star service from start to finish. The whole process was very slick and extremely professional. Obtaining our mortgage was not a straight forward request due to being a new build property but John advised on what information we would require and spoke with all the right people to get our mortgage over the line. Will be using him again in the future.Posted on GoogleMatt PourzandJohn was efficient, friendly, and a great communicator. He was very knowledgeable and handled our case with efficiency. John made the whole process much smoother than expected, and I would 100% recommend his service!
Get in touch today and one of our qualified advisors will be in touch to guide you through your options.
When a lot of homeowners think about remortgaging, they’re put off by the assumption that the process is stressful, complex and time-consuming. However, that’s rarely the case. Not only do the benefits of remortgaging usually outweigh the effort involved, the process also tends to be easier than many people realise. Though remortgaging may sound complex, it follows a clear and structured process – especially when you have an experienced mortgage broker managing things – and once you understand that process, remortgaging becomes a lot simpler.
The first step in the remortgage process is to undergo a full current mortgage review, which Everest Mortgages handles for you. This involves reviewing your existing mortgage, current interest rate, remaining term, early repayment charges and your overall affordability. Your future plans are also taken into account, to ensure the new deal supports your long-term property ownership and financial goals.
Using a wide range of lenders – both high street and specialist – all of your remortgage options are compared to identify the most suitable deals. These are picked based on rate, fees, flexibility and criteria, narrowing down the impressive range of remortgage options so you can focus on the ones that work best for you.
Once a suitable deal is selected, it’s time to move onto the application process. This works in a similar way to when you applied for a mortgage at the time of buying your property, so you’ll be somewhat familiar with the process. We manage the application process, ensuring all documentation is accurate and submitted efficiently. This helps to minimise delays and reduce the likelihood of issues.
Before approving your remortgage, your chosen lender will assess the value of your property to confirm lending terms. After all, if the value of your property has changed – which is likely if you purchased it a number of years ago – this needs to be reflected in your new deal.
Unsurprisingly, there’s a handful of legal checks that go into remortgaging, which are carried out to transfer the mortgage. Many remortgage products include free legal services or cashback incentives to offset costs, keeping the cost of remortgaging as low as possible.
Once all of the above is complete, your new mortgage replaces the old one. Payments switch seamlessly and you begin to benefit from your new terms immediately. You then carry on paying the mortgage, each and every month, like you have been doing so far.
Remortgaging isn't only about a lower rate. These are the other ways John can help when your deal ends or your plans change.
Release equity for an extension, loft or renovation.
Combine other borrowing into your mortgage. It's secured on your home and may cost more over time.
Check your lender's new deal against the rest of the market.
Borrow more from your existing lender.
Use your savings to reduce the interest you pay.
Lower monthly payments, with a plan to repay the balance.
Remortgage on your accounts, SA302s or company profits.
Income assessed on your day rate, not just your accounts.
Defaults or missed payments since you last borrowed.
Borrow above the usual 4.5x income if you qualify.
