We provide remortgage advice in London, helping homeowners review their existing mortgage and identify a suitable new deal based on their needs and circumstances.
At London Finance Hub, our independent mortgage advisers support homeowners across Greater London who are looking to reduce their monthly payments, secure a more suitable interest rate or release equity from their property.
We review your current mortgage, assess your income and commitments, and compare lenders across the UK mortgage market to help you understand your available remortgage options.
Who this remortgage service is for
Our remortgage advice service is suitable for homeowners in London and across Greater London who already have a mortgage and are reviewing their current deal.
We support homeowners who are:
- Coming to the end of an existing fixed or discounted rate
- Looking to reduce their monthly mortgage payments
- Considering releasing equity from their property
- Reviewing their mortgage due to changes in income or circumstances
- Unsure whether to stay with their current lender or move to a new one
How the remortgage process works
Our remortgage process is designed to help you review your existing mortgage and identify suitable options based on your needs and circumstances.
We begin by reviewing your current mortgage, remaining balance, property value, income and financial commitments.
We then compare suitable remortgage options across the UK mortgage market and explain the available rates, features and repayment options clearly.
Once we have identified a suitable mortgage based on your needs and circumstances, we help you obtain an agreement in principle and support you through the full application, valuation and offer stages through to completion.
Deposit and lending criteria for remortgages
When remortgaging, the amount of equity you have in your property plays an important role in the mortgage options that may be available to you.
Equity is the difference between your current property value and the outstanding balance on your existing mortgage.
Lending criteria for remortgages varies between lenders and usually depends on your income, employment status, credit history, existing financial commitments and the purpose of the remortgage.
We support homeowners who are remortgaging to review their current deal, change lender, adjust their mortgage term or consider releasing equity, and we help assess how different lenders view affordability and eligibility.
Why use London Finance Hub for your remortgage
At London Finance Hub, we provide remortgage advice to homeowners across London and Greater London.
We take time to understand your individual circumstances and explain your options clearly, helping you make informed decisions throughout the remortgage process.
Our advisers support you from your initial review through to completion, liaising with lenders, solicitors and other parties involved where required.
We aim to make the remortgage process straightforward and transparent, providing clear guidance at every stage.
Remortgage FAQs
When should I start looking to remortgage?
Many homeowners start reviewing their mortgage around three to six months before their current deal ends. This allows time to assess options and avoid moving onto a lender’s standard variable rate.
Can I remortgage if my circumstances have changed?
Yes, many lenders will consider applications where income, employment or personal circumstances have changed. Each lender assesses applications individually based on their criteria.
Can I remortgage to release equity from my property?
Some homeowners choose to remortgage to release equity. This depends on your property value, outstanding mortgage balance, income and affordability assessment.
Will I need a valuation when remortgaging?
In most cases, lenders will require a valuation of your property. This may be carried out automatically or by a surveyor, depending on the lender and property.
Do you charge a fee for remortgage advice?
Any fees for our mortgage advice will be explained clearly during your initial consultation before you decide whether to proceed.