At Elm Tree Financial Services, we offer access to a wide range of remortgage products, including many exclusive deals that are not available directly on the high street. As independent mortgage advisers, we search the entire UK market to find the most suitable mortgage deal based on your current circumstances and financial goals.

 

If you're currently on a fixed rate mortgage, it's especially important to note the end date of your deal, as many borrowers inadvertently switch to their lender’s standard variable rate (SVR), which is typically much higher. Our team is here to help you stay ahead of that change and identify a better deal in good time.

 

Why Remortgage?

There are several reasons you may wish to remortgage, and we’re here to help with all of them:

 

To Reduce Your Interest Rate

Many mortgage lenders offer introductory deals such as low fixed, tracker, or discounted rates for an initial period (typically 2 to 5 years). Once this deal expires, your rate usually reverts to the lender’s SVR, which is often significantly higher.

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To Raise Additional Capital

You may want to release equity from your property to fund major expenses such as:

• Home improvements

• A second home or investment property

• Business investment

• Debt consolidation

Whatever your goals, our advisers will assess your situation and help you find the most practical and affordable solution.

 

 To Reduce Your Mortgage Term

Remortgaging can also help you pay off your mortgage faster. If you qualify for a lower monthly payment due to better interest rates, you might choose to keep your payment level the same but shorten your mortgage term. This can save thousands in interest over the life of the loan and get you mortgage-free sooner.​