Remortgage with Fairview Financial

Don't pay more than you have to on your mortgage.

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Compare the most competitive remortgage deals

Fairview Financial can assist in finding you a great remortgage deal based on your circumstances and requirements.

Why you should think about remortgaging?

If you own a residential property, you would normally consider remortgaging in one of these situations:

The fixed interest rate deal for your current mortgage is coming to an end. Usually fixed mortgage rates are set between 2 to 5 years and if you are coming to the end of this benefit period you should think about searching for a new deal.
You are on a Standard Variable Rate (SVR). When the introductory offer comes to an end, your lender will automatically move you onto to a Standard Variable Rate (SVR). This type of rate is normally higher so why not shop around to find a more competitive rate?
Your circumstances have changed or you may be looking for a mortgage with more flexible options. The mortgage you took a few years ago may no longer suit your current needs so you may wish to rejig your mortgage to pay more per month or reduce the term. Our advisers will assess all your details to find you a mortgage which is right for you and your situation.
Your property has significantly increased in value. If you find out that your home has increased its market value significantly since you took out the mortgage, you may be able to move into a lower loan to value bracket (LTV). A lower LTV can save you money with a lower interest rate.
You want to release equity from your home for reasons such as debt consolidation, home improvements or investment. Perhaps a further advance on your existing mortgage with your current lender is not an option, so you may want to remortgage with a new lender to raise the extra money.

Why choose us?

Whole of market broker

We will research thousands of deals and over 90 lenders to find you the right mortgage

Independent mortgage advice

Our advice is tailored to your circumstances and requirements, always serving your best interests

5 star reviews

We provide honest and unbiased advice and our clients' feedback is a true testimony of that

Local broker

Your dedicated broker will be your point of contact through the entire mortgage process

Key things to consider before remortgaging

Remortgaging is not just about saving money. Your timing and personal circumstances have to be taken into account to decide if the savings available at the point you’re considering remortgaging will outweigh the associated costs. Here are the most important things to consider.

Don’t forget the fees. Your current lender may charge you an exit fee and there is also other fees to consider for the new mortgage, such as arrangement fee, valuation fee, legal costs. You can add some of these costs to your mortgage but remember, that’s more expensive long term, as you’ll be paying interest for the duration of the mortgage loan. It is best to do some sums to take into account the full costs of remortgaging.
Early repayment charges. If you are currently in a fixed rate deal, you will have to pay your lender an early repayment charge if you wish to leave before the end of the deal. If the early repayment charges are very high, it may turn out to be more expensive to move before the end of the incentive period. So it’s definitely worth making some calculations.
You may not necessarily be accepted by another lender. If your financial or employment situation has changed since you first got your mortgage, you may no longer fit the criteria for a new mortgage with another lender so it may be better for you to stay where you are.
If you are raising extra capital with your remortgage, you will be increasing the amount you are borrowing and will therefore see a rise in your monthly repayments. You need to work this out carefully. Mortgages may have lower interest rates, in comparison to credit cards or loans, for example, but borrowing over a long period of time may cost a lot more in the long run.

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Why choose Fairview Financial?

We aim to make the process as stress free as possible by looking after the mortgage switch-over from start to finish.
Fairview Financial has access to the whole mortgage market and thousands of remortgage deals and specialist lenders so we can help you save money by finding you a competitive rate even in the most difficult of circumstances.
With many years of experience in the financial sector, our advisers have a comprehensive knowledge of the mortgage market. We will explain everything in detail and jargon free, so you fully understand all of the implications and benefits.
Our mortgage brokers won't just advise you about your mortgages. They will also look at your requirements for life insurance, income protection, buildings and contents cover etc. to make sure you and your family are fully protected.
We know day to day life is busy so we are available outside the 9 to 5 hours. You can make an appointment to visit us in our office in Cheltenham or we can chat over the phone in the evenings and on Saturdays too. We work with our clients face to face or remotely, by phone or by email to suit all busy schedules.
Doing a good job is very important to us and we are delighted to have so many satisfied customers - our Google reviews will speak for themselves.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

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Our Fees

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.