When you remortgage, you can either do so with your existing lender, or you can change to a new lender.

Remortgaging happens for a number of reasons. You may have had a change in circumstances, or you might be looking to switch to a better rate. You can also remortgage in order to release equity from your property, or if you want to borrow more (to pay for an extension, for instance). If you’re currently on an interest-only mortgage and don’t have an investment vehicle in place to pay off the loan, you might consider switching to a repayment mortgage.

Some mortgage deals come with early repayment penalties, so it’s important to check the small print and speak to your lender before taking any action. After all, if you’re remortgaging to save money you won’t want to be hit by unnecessary fees.

As with mortgages, there can be a lot of leg-work involved in remortgaging. That’s why it’s best to discuss your options with an Amber River financial planner.

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