REMORTGAGES

Thinking about remortgaging? Whether you’re looking to save money, release equity, or switch to a better deal, Watts Mortgage and Wealth Management Ltd is your local, independent experts in whole-of-market mortgage advice.

The amount you’ll be able to borrow when you remortgage will depend on your financial circumstances, so it always helps to get independent advice before making a decision.

At Watts, our team of qualified advisers is able to compare whole of market to help you find the right remortgage deal for your situation. We are not tied to one provider, which means we can look at a variety of high street lenders.

Based in Nantwich, Cheshire, we provide clear, impartial guidance on remortgaging from across the entire UK mortgage market, ensuring you get the right deal for your circumstances.

What is a remortgage?

A remortgage is when you switch your current mortgage to a new deal, either with your existing lender or a different one.

This is often done:

when your fixed-rate or introductory deal is ending
to secure a better interest rate
to release equity for home improvements or other financial goals
to consolidate debts
to change the term of your mortgage.

Finding the right remortgage deal

Finding a remortgage deal can be an important financial decision, so it’s key that you seek independent advice to make sure you are doing the right thing. Our advisers can offer recommendations based on your circumstances, so that you can feel confident in your decision when taking a remortgage deal.

We are here to help you understand the fees involved in remortgaging, as well as how much you could borrow and what that would cost you. Whether you are looking to switch to a new lender or moving to a new deal, Watts can make sure you are making an informed decision.

We can help to compare remortgage deals for you and advise whether there are any charges or terms and conditions that may adversely affect you in the future.

Our remortgage process

Why remortgage with Watts Mortgage and Wealth Management?

Independent experts: Whole-of-market mortgage advice with no ties to any single lender.
Greater choice: Access to a wider range of deals than many banks or building societies offer directly.
Exclusive rates: Specialist mortgage products not available on the high street.
Transparent advice: Clear fee structure and honest, jargon-free recommendations.
Local and national reach: Expert support wherever you are, with roots in Nantwich.
Award-winning legacy: Family-run for over 35 years with recognition for excellence in mortgages and life insurance.
Support that lasts: From first enquiry to final approval – stress-free guidance every step of the way.

Top five tips for a successful remortgage

Start early: Don’t wait until your current deal ends. Start reviewing options around six months in advance.

Know your property value: An up-to-date valuation helps you understand your loan-to-value (LTV) ratio, which impacts available rates.

Check your credit score: Lenders will review your credit history. Make sure your credit score is in good shape before applying.

Use a whole-of-market broker: Access the widest choice of mortgage deals, many of which aren’t available directly to the public.

Think beyond the rate: The lowest interest rate isn’t always the best deal. Consider fees, flexibility, and long-term costs.

Ready to remortgage? Speak to an expert today. At Watts Mortgage and Wealth Management Ltd, we make remortgaging easy. Whether you’re switching lenders or looking to release equity, our mortgage specialists are here to help. Call 01270 620555 or fill in the enquiry form. We’d be delighted to assist you.

MAKE AN ENQUIRY

If you’re looking for mortgage advice, contact Watts IFA today. Our expert team can help you secure the best mortgage based on your contracting status and financial situation.

Rachel Price
Senior Mortgage Adviser

“Over the years, I’ve supported people through all sorts of remortgage situations, from moving off an expiring fixed-rate deal to borrowing more for home improvements. Whatever the reason, I always aim to make the process as smooth and stress-free as possible.

If you’re thinking about switching your mortgage, or just want to check if you’re still on the right deal, the team at Watts are happy to take a look with you. Sometimes a simple conversation can lead to real savings or better flexibility.”

With our extensive experience and access to a vast lender network, Watts Mortgage & Wealth Management Ltd is the ideal partner for those seeking a tailored mortgage solution. Contact us today, and let our dedicated advisers guide you through the process.

AWARDS AND ACHIEVEMENTS

FAQs about remortgages

When is the best time to remortgage?

Typically, you can remortgage up to 6 months before your current deal ends. This allows time to lock in a new rate before you’re moved to your lender’s standard variable rate (SVR), which is often higher.

Can I remortgage early?

Yes, but you may face early repayment charges (ERCs). We can help you calculate whether switching now saves you money in the long run.

Do I need a deposit to remortgage?

No deposit is usually needed. Instead, your equity in the property is used to determine the new loan-to-value (LTV) and interest rate.

How long does a remortgage take?

The remortgaging process typically takes 6 to 8 weeks. Our team ensures everything runs smoothly with minimal disruption to your day-to-day life.

Can I remortgage to consolidate debt?

Yes, but it’s important to understand the risks. We provide impartial advice to ensure debt consolidation via remortgaging is right for you.

FIND THE BEST MORTGAGE DEAL FOR YOU

Let us help you find the right mortgage for your home or buy to let.

Our mortgage advice

Many thanks for your expert advice when I wanted to remortgage my buy-to-let portfolio. Your whole market approach and willingness to go the extra mile to secure the best deals for each property has enabled me to significantly reduce my repayment costs and provided stability for the next five years.

O Mason

We are so pleased that we were able to complete on our new mortgage. None of it would have been possible if it wasn't for your superb knowledge, and persistence to chase down a good deal for us.

I Sykes

Awesome Team - you worked tirelessly for my family on a complex transaction to help secure our dream house. Always calm and professional under pressure and readily available. 5 stars from me!

S Sinha

I would like to thank you for all your help getting our mortgage for our new home. Your dedication and perseverance were amazing, and you got us a mortgage offer that suited our flexible requirements and budget. Once again, a big thank you!

M Cooke

I want to thank the Watts team for a fantastic remortgaging of my property. They were efficient, thorough, took time to get to know what I needed and helped push things through. Really happy with the service I received.

V McKay

If we can help with your mortgage needs, find out more here.

INDEPENDENT MORTGAGE ADVICE AND PROTECTION FOR YOU

Welcome to Watts!
Our friendly, knowledgeable and experienced team are here to help find the right mortgage and life insurance for you. We have helped thousands of clients, over 30 years buy their dream home and ensure their family is protected.

We are a family business and pride ourselves on our customer service. As an independent company, we can search from over 100 lenders and insurance companies to help you get the best deal.

Get a quick quote above or contact us today.