Supporting your specific goals

Chartwell Funding advisers have an in-depth knowledge of the remortgage market to help you find the most suitable mortgage for your needs. These typically include:

Your existing rate is coming to an end

Most products have a specific end date and after this time they will normally revert to a higher rate than you have been used to. A quick review will allow you to understand if there is money to be saved.

You may already be on a lenders standard rate

if you have not reviewed your mortgage for some time you may be able to access products on a lower rate, this will result in lower monthly payments or a reduction in the term of your loan.

You want to raise some funds

you may wish to explore the opportunity to help pay for home improvements, special events or to purchase additional properties. Adding funds to your mortgage to facilitate this could be the cheapest way of borrowing to pay for these

You have debts to consolidate

You may be able to release some equity in your property to repay your other debts like car loans or credit cards. However, whilst this will reduce your payments in the short term, it may mean you pay more over the long term.

Existing rate is coming to an end?

Make sure you're on the best rate

As your current mortgage rate approaches its end, it’s crucial to enlist the expertise of a qualified mortgage advisor. Navigating the complexities of the mortgage market can be daunting, but a seasoned advisor can quickly and thoroughly review your mortgage and provide invaluable insights. At Chartwell our advisors are all experts in understanding the latest market conditions and fluctuations in interest rates. We can help you secure the best possible rate tailored to your situation, ensuring long-term savings and peace of mind.

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Already on your lenders standard rate?

Avoid paying over the odds

Being on a lender's Standard Variable Rate (SVR) often means you’re paying more than necessary, as these rates are typically higher and subject to fluctuations. An experienced advisor will assess your current situation and explore alternative mortgage options that better align with your financial goals. Our advisors have access to a wide range of mortgage products and can negotiate competitive rates on your behalf. By remortgaging away from the SVR, you could significantly reduce your monthly payments and secure a more stable, cost-effective mortgage plan.

Looking to raise funds?

Unlock the value in your property

Remortgaging can let you access extra funds, whether for home improvements, or new investments. By replacing your current mortgage, you can tap into your home's increased value and benefit from better rates. Chartwell's expert advisors can guide you through the process, helping you secure the best deal and unlock your property's potential.

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Looking to consolidate debts?

Simplify your finances

Remortgaging to consolidate debt can simplify your finances and reduce monthly payments. By replacing your current mortgage and combining various debts into one manageable payment, you can take advantage of better interest rates and the increased value of your home. Chartwell’s expert mortgage advisors will help you navigate the remortgaging process, ensuring you secure the best deal. Simplify your debt, save money, and gain financial peace of mind with Chartwell’s professional guidance.

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What our customers say

See what real customers have to say about their experiences with the Chartwell Funding team

Read all our testimonials on Trustpilot
5-stars on Trustpilot
Great remortgage experience
Duncan and his team worked extremely hard to ensure we could get the best fixed rate available for our remortgage. We felt that we as clients always came first and that Duncan and Chartwell were constantly scanning the horizon on our behalf. Very happy to recommend them to anyone looking for an expert broker to help them with any sort of mortgage need.

Chris

5-stars on Trustpilot
Great service by Jordan and Daniel
Jordan has been excelent in sorting out our insurance, not only we saved £10 each month, but we got an upgraded plan. Also worth mentioning Daniel, our mortgage advisor. Always proficient in securing the best rates and very patient ensuring that we understand everything.

Mr Gherman

5-stars on Trustpilot
Fantastic service
Fantastic service. Great communication. They made everything clear and simple. Great company - I wouldn’t go anywhere else now!

Joe Thurston

5-stars on Trustpilot
I had a great experience!
I had a great experience with Chartwell Funding, everyone one was so helpful and informative. I always had a lot of questions and everyone happily helped with no bother. A big thank you to Dan and Star who made the process easy for me and always went above and beyond to help me through it. Thank you so much, I really appreciate it.

Cheryl

5-stars on Trustpilot
Amazing experience with Chartwell
Amazing experience with Chartwell, Duncan and the team really helped me secure a good mortgage for my first home. They were all welcoming, quick with replying and even checked up on me after it went through. I can't thank them enough for making it all feel easy!

Jordan

5-stars on Trustpilot
Fantastic and trustworthy company
Fantastic and trustworthy company. Once again Matt and his team guided me through the mortgage process checking in throughout and answering any query with efficiency.

Mrs Murray

Frequently asked questions

Here are some of the most common FAQs we hear about buying a home

Why should I remortgage?

Remortgaging can help you save money by securing a lower interest rate, reduce your monthly payments, release equity from your property, or switch to a more suitable mortgage product. It can also help you consolidate debt or fund home improvements.

Why should I speak to a mortgage advisor about remortgaging?

A mortgage advisor can provide expert advice tailored to your specific financial situation and goals. They can help you navigate the remortgaging process, find the best deals from a wide range of lenders, and ensure you make an informed decision that maximises your financial benefits.

Can I remortgage early?

Yes, you can remortgage early, but it's important to consider any early repayment charges or exit fees your current lender may impose. A mortgage advisor can help you evaluate whether the benefits of remortgaging outweigh these costs.

When is the right time to remortgage?

The right time to remortgage depends on your individual circumstances, such as the end of a fixed-rate period, changes in interest rates, or needing access to additional funds. Generally, it’s a good idea to start reviewing your options a few months before your current mortgage deal ends.

How much does it cost to remortgage?

The cost of remortgaging can include fees such as early repayment charges, arrangement fees, valuation fees, and legal fees. These costs vary depending on your current mortgage terms and the new deal you choose. A mortgage advisor can help you understand and compare these costs.

Do I need to stay with the same lender?

No, you do not need to stay with the same lender when remortgaging. Switching to a new lender can often provide better rates and terms. A mortgage advisor can help you compare offers from different lenders to find the best deal for your needs.

Find the perfect mortgage solution

Get in touch with Chartwell today for a free consultation and expert advice to help you find the best solution to your mortgages and insurance needs