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Remortgaging allows borrowers to refinance an existing property, either to secure improved terms or release equity for other purposes. This can include restructuring existing debt, raising capital, or consolidating borrowing across multiple assets.
In higher-value or more complex scenarios, remortgages are often structured around the borrower’s wider financial position, with lenders considering income, assets, and property performance. We work with high street banks, private banks, and specialist lenders to deliver tailored refinancing solutions.
Indicative Terms
|
Scenario |
Loan-to-Value (LTV) |
Pricing |
Notes |
|
Standard Remortgage |
Up to 85% |
From ~4.5%+ |
Residential refinancing |
|
Capital Raising |
Up to 75–80% |
From ~4.75%+ |
Equity release for other uses |
|
High-Value Remortgage (£1M+) |
60–75% |
From ~5.0%+ |
Larger loans, bespoke structuring |
|
Portfolio Remortgage |
Up to 70–75% |
Case-by-case |
Multiple properties |
|
Complex Income |
Up to 70–75% |
From ~5.25%+ |
Non-standard income profiles |
Important
Indicative terms shown for guidance only. Pricing and leverage vary depending on the borrower profile, property, and overall transaction structure.