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Remortgages

UK Mortgages

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.