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Remortgaging doesn’t have to feel like a chore—it’s a crucial step in your mortgage journey, and we’re here to make it as smooth (and rewarding) as possible. Whether you’re looking for a better deal, releasing equity for that dream kitchen upgrade, or simply avoiding your lender’s standard variable rate (SVR), we’ve got an incredible group of mortgage brokers at Delta Mortgages who to take the stress off your plate.
With interest rates that seem to change with every cup of tea and thousands of options on the table, finding the best remortgage deal can be overwhelming. But don’t worry—that’s what we’re here for. At Delta Mortgages, we’ll dive deep into the market for you, searching lenders big and small to pinpoint the perfect rate for your circumstances.
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Access to 100+ mortgage lenders
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Search through 14,000 mortgage products
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Instant rate checks with zero impact on your credit score
No matter your reason for remortgaging, our specialist mortgage brokers are ready to help. Maybe you want to:
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Lower your interest rate and save on monthly payments
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Free up funds for home improvements or that dream holiday
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Consolidate debts into one manageable payment
Whatever your goal, our team is here to provide expert guidance and tailor-made solutions. And if you’re worried about bad credit, don’t be. We work with lenders who understand that life isn’t always straightforward and will find options suited to your needs.
Hear from happy people
OK, so we’re going to bet Theodore’s next puppuccino* that one of these remortgaging scenarios sounds familiar.
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You’re coming to the end of your current mortgage term
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You’re thinking about switching to a new lender
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You’re looking to secure a better interest rate on your mortgage
If so, you’re in the right place.
At Delta Mortgages, helping you find the best remortgage deal isn’t just a goal—it’s our obsession. Whether you’re dealing with bad credit, a change in circumstances, or just looking to make those long-awaited home improvements, we’re here to help.
We understand that everyone’s financial situation is different, but one thing remains the same: our commitment to finding a solution that works for you. No jargon, no judgment—just experienced mortgage advice and a relentless determination to get you the best possible deal.
*Don’t worry, we’d never do that to this little rascal.
Do these remortgaging scenarios sound familiar?
Three Simple Steps to a Cost-Effective Remortgage
Let our experienced mortgage brokers handle the tricky stuff while you focus on life (or perhaps enjoying that well-earned cuppa).
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Secure Your Agreement in Principleement in Principle
Gain clarity and confidence with a remortgage agreement in principle. You’ll know exactly where you stand and can move forward without hesitation.
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We’ll Search the Market for You
With access to over 14,000 mortgage options and 100+ lenders, we’ll dig deep to find the most competitive remortgage deal for your unique circumstances.
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Speak to a Remortgage Broker
Start with a free initial, no-obligation chat with one of our friendly remortgage advisers. Whether you’re just exploring options or ready to dive in, we’re here to help.
At Delta Mortgages, remortgaging doesn’t have to feel overwhelming—we’re here to simplify the process and guide you every step of the way.
What is a Remortgage?
A remortgage is simply the process of switching your current mortgage deal to a new one—either with so that it better suits your financial situation.
Whether you’re looking to secure a lower interest rate, adjust the length of your mortgage term, or move to a different type of mortgage, remortgaging gives you the flexibility to make your mortgage work for you.
You don’t have to wait until your current deal ends to explore your options either.
If your repayments are becoming a stretch, your circumstances have changed, or you just want to see if there’s a better deal out there, remortgaging could be the way forward.
Just keep in mind that if you’re still in a fixed-rate period, there may be early repayment charges to consider—so it’s always worth getting the right advice before making a move.
At Delta Mortgages, we make remortgaging simple. Our experienced mortgage brokers in Dorset and Hampshire will guide you through the process, compare thousands of deals, and find the best option for your circumstances—so you can sit back, relax, and enjoy the savings (or finally start planning that dream kitchen renovation!)..
When Should You Remortgage Your Home?
Timing is everything when it comes to remortgaging. Pick the right moment, and you could secure a fantastic deal that saves you thousands. Jump in too early, though, and you might face early repayment charges that make the switch less worthwhile.
If you’re on a fixed-rate mortgage (which most homeowners are), you’re tied to that rate until the end of your fixed term—typically 2, 3, or 5 years.
Once that period ends, you’ll likely roll onto your lender’s standard variable rate (or SVR for short), which is usually higher and far less predictable. That’s when a remortgage becomes essential.
But don’t wait until the last minute! Lenders can take weeks (or even months) to process your remortgage, so it’s best to plan ahead.
How Long Does It Take to Remortgage?
The whole remortgaging process typically takes 4–8 weeks, but you should start looking at options 3 to 6 months before your current deal ends.
Why so early?
You lock in a deal before your rate expires
Even if rates change, most mortgage offers last for up to 6 months, meaning you can secure a competitive deal in advance. Better still, if rates then change for the better, you can always change to that lower rate before the remortgage completes. Win-win.
You avoid rolling onto your lender’s SVR
This can be significantly higher than your fixed rate, meaning higher monthly repayments. And nobody wants that, do they?
You give yourself time to prepare
If interest rates aren’t in your favour, at least you’ll have time to explore your options rather than rushing into the first deal you find.
And here’s where an experienced mortgage advisor (like our friendly team at Delta Mortgages) makes life much easier. Instead of spending hours trawling comparison sites, we’ll search the market for you (knowing your unique circumstances), compare remortgage rates, and handle the paperwork—so you can focus on more exciting things.
Think of us as your remortgage search party, uncovering the best deals and guiding you through every step. Whether your mortgage is expiring soon or you’re just curious about your options, speak to a mortgage advisor today—because the best deals don’t hang around forever.
Reasons to remortgage your home
Life changes, and so should your mortgage. Whether you’re looking to lower your payments, unlock extra cash, or simply get a better deal, remortgaging can be a smart financial move.
Here are some of the most common reasons why homeowners choose to remortgage—and why it might be the right time for you.
If you’re on a variable-rate mortgage, you’re at the mercy of rising interest rates, which can make budgeting tricky.
And if you originally took out a fixed-rate mortgage when rates were high, now could be your chance to switch to a lower rate.
If your lender’s rates aren’t keeping up with the best deals out there, it’s time to shop around—and we can help with that.
Most fixed-rate mortgage terms last 2, 3, or 5 years, and once they’re up, your lender will automatically switch you onto their Standard Variable Rate (SVR)—which is usually higher (and not in a good way). Rather than sitting back and letting your payments creep up, a remortgage can secure you a better deal before you land on a rate you didn’t sign up for.
Your home isn’t just where you live—it’s also an asset that grows in value over time. If you need to free up some cash for home improvements, big life events, or even an investment opportunity, remortgaging to release equity could be a great option.
Before making the leap, speaking with an experienced mortgage advisor who specialises in equity release (we’ve got some of those people!) is key, as we’ll guide you through the best (and most cost-effective) ways to access the wealth tied up in your home.
If you’re in a position to overpay on your mortgage, that’s fantastic—it means you can clear your debt faster and save on interest. However, not all lenders offer flexible overpayment options. If your current mortgage has restrictions on how much extra you can repay without penalties, remortgaging to a more overpayment-friendly lender could give you the freedom to pay off your loan quicker.
Has your home value gone up? That’s great news—not just for your net worth but for your mortgage options, too. A higher property value means a lower loan-to-value (LTV) ratio, which could unlock lower interest rates when you remortgage. Lenders love a low LTV, and we love finding you a deal that reflects your home’s worth.
If you’ve been smart with your savings, an offset mortgage could be a game-changer. This type of mortgage links your savings account to your mortgage balance—so instead of earning pennies in interest on your savings, you reduce the interest on your mortgage instead. The more you save, the less interest you pay. Simple, but seriously effective.
If you’re managing several loans or credit cards, rolling them into your mortgage could be a way to simplify your finances. A debt consolidation remortgage allows you to combine those payments into one, often at a lower interest rate than many unsecured debts.
It can feel like a weight off your shoulders—but it’s important to be aware of the risks. By securing your debts against your home, your property may be at risk if you’re unable to keep up with repayments.
That’s where we come in. At Delta Mortgages, we’ll help you explore whether it’s the right move for your circumstances—giving you the facts, the figures, and the reassurance to make a clear, confident decision.
Mortgage Types to Consider When You Remortgage
Choosing the right mortgage when remortgaging isn’t just about finding a lower interest rate—it’s about finding the right fit for you, your finances and your future plans. With so many options available, the decision can feel overwhelming.
But, hey, don’t worry, we’re here to break it down into simple, clear choices, helping you find the perfect remortgage deal.
A fixed-rate mortgage offers security and predictability, locking in your interest rate for a set period—usually 2, 3, or 5 years. This means your monthly repayments stay the same, regardless of whether interest rates rise or fall.
For many homeowners, this stability makes budgeting easier and protects against sudden rate increases. However, if rates drop, you won’t benefit from a lower monthly payment unless you remortgage again, which could involve fees.
If knowing exactly what you’ll pay each month gives you peace of mind, a fixed rate could be the right option for you.
A variable-rate mortgage is a bit like being on a rollercoaster—you don’t always know what’s coming next. In a way they’re a bit of a double-edged sword.
These mortgages are tied to your lender’s Standard Variable Rate (SVR), which can change at any time. While the Bank of England base rate often influences these changes, lenders still have the freedom to adjust rates as they see fit.
The pros? If rates drop, your monthly repayments could fall too, giving you a welcome saving. The cons? If rates go up, so do your repayments, sometimes without much warning.
For homeowners who value flexibility, a variable-rate mortgage may allow overpayments or switching without hefty exit fees—great if you want to keep your options open.
If you don’t mind a bit of unpredictability and can handle potential rate hikes, a variable-rate mortgage might be a good fit. But if you prefer stability in your monthly budgeting, you may find a fixed-rate mortgage a safer bet.
If you’re not sure which way to go, our experienced mortgage advisers can talk through your remortgaging options and help you make the call that is right for you.
If you have a healthy savings pot, an offset mortgage allows you to reduce the amount of interest you pay. Your savings are linked to your mortgage balance, and instead of earning interest, they offset the amount on which you’re charged interest.
For example, if you have a £200,000 mortgage and £20,000 in savings, you’ll only be charged interest on £180,000.
You still have access to your savings, and the more you save, the less interest you pay—helping you either reduce your repayments or pay off your mortgage sooner.
A tracker mortgage follows the Bank of England base rate—if the base rate moves, your mortgage moves with it. Lenders will add a fixed percentage on top, but beyond that, it’s directly linked to market movements.
When rates are low, tracker mortgages can be cheaper than fixed-rate options, making them an appealing choice for those looking for a cost-effective remortgage deal. But in reality interest rates don’t stay low forever. If the base rate rises, your monthly repayments will go up too, with no upper limit.
Think of a tracker mortgage like following a sat-nav—you’ll always know the route, but if the road (or interest rates) changes, you have to adapt. If you’re comfortable with market fluctuations and can handle potential increases, a tracker mortgage could be a great way to benefit from lower rates. However, if the idea of rising repayments keeps you up at night, a fixed-rate mortgage might be the more reassuring choice.
Whichever remortgaging option you choose, our mortgage brokers in Dorset and Hampshire can help you navigate the best rates and find the right fit for your circumstances. Oh and we’re ready to have a chat when you are.
How much will it cost to remortgage?
Remortgaging doesn’t come with the same costs as buying a new home, but there are still a few fees to consider.
But many lenders offer deals with no upfront valuation or application fees, keeping the process relatively low-cost.
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Lender Fees: Some mortgage deals come with a product fee—this can either be paid upfront in exchange for a lower interest rate, added to the new mortgage or avoided by choosing a deal with a slightly higher rate.
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Legal Fees: If you’re switching to a new lender, you’ll need a solicitor to handle the legal work. Some remortgage deals include free legal services, but if not, we’ll make sure you understand the costs involved.
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Early Repayment Charges (ERCs): If you’re exiting your current mortgage deal early, your lender may apply an ERC. We’ll check whether this applies and help you weigh up whether remortgaging still makes financial sense.
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Exit Fees: Some lenders charge a small exit or mortgage discharge fee when you close your existing mortgage.
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Broker Fee: Finally, there is the mortgage broker fee*, which we’ll be completely upfront about with you before you engage our services.
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The good news is that many of these fees, especially lender product fees, can be added to your mortgage, allowing you to spread the cost over time.
We’ll make sure you have a clear picture of all the costs upfront, so you can remortgage with confidence, not surprises.
*Hey, we’ve got to pay for Theodore’s puppuccino somehow.
What is the Remortgage Legal Process?
Let’s be honest—legal processes don’t tend to spark joy. But when it comes to remortgaging, the legal side of things is important, and thankfully, pretty straightforward. Think of it as the admin that ties up the loose ends and ensures your old mortgage is cleared while your new one is set up correctly.
Here’s how it the legal process of a remortgage works, step by step:
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Identity Checks & Initial Review
Your conveyancer will verify your ID (passport, driving licence) and cross-check all documents to ensure everything is in order. If we already have your ID on file, we’ll send it over to speed things up (cos we’re nice like that).
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Mortgage Redemption Figure Requested
Your conveyancer will contact your current lender to confirm the exact amount needed to clear your existing mortgage. This is known as a ‘redemption statement.’
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Completion Day
The money from your new lender is transferred to your conveyancer, who will use it to pay off your old mortgage. If you’ve borrowed extra funds (for home improvements, debt consolidation, or just because you can), these will be sent to your nominated bank account.
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Sign the Mortgage Deed
This is the official document that secures your new mortgage. You’ll need to sign it in front of a witness and return it to your conveyancer before your remortgage can complete.
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Lender Issues Your Mortgage Offer
Once your new mortgage is approved, the lender will send an official mortgage offer to your conveyancer. They’ll review it to ensure everything meets legal requirements and let you know if anything needs signing.
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Receive Your Client Care Pack
This sounds fancy, but it’s just a welcome pack from your conveyancer outlining what they need from you to get started. No paperwork, no progress—so be sure to return everything fully and promptly.
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Final Checks & Completion Date Set
Once all the legal ducks are in a row, your conveyancer will set a completion date—this is the day your new mortgage officially takes over.
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Instruct a Conveyancer
You’ll need a conveyancer or solicitor to handle the legal bits. If you don’t have one, or the new lender doesn’t provide one at their expense, your mortgage adviser can sort this for you and provide their details.
And just like that, your remortgage is complete! (Yay!) 🥳
While the legal process isn’t the most exciting part of remortgaging, it’s essential to getting everything wrapped up smoothly.
At Delta Mortgages, we’re here to keep things moving, chase up paperwork, and make sure your remortgage goes through without a hitch—so you can focus on the fun stuff like <INSERT YOUR FUN STUFF HERE>.
The Best Ways to Improve Your Remortgage Deal
When it comes to remortgaging, a little preparation can go a long way in helping you secure the best remortgage deal. Lenders assess a range of factors when deciding what rates and terms to offer, but there are a few key things you can do to boost your chances of securing a low-rate remortgage.
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Improve Your Credit Rating
Lenders love a good credit score—it reassures them that you’re a responsible borrower. If yours isn’t looking its best, don’t worry, there are ways to tidy things up. For example, using a credit card for everyday purchases, like groceries or petrol, and paying it off in full each month can help build your credit history. Try to avoid maxing out credit limits, keep on top of bills, and check your credit report for any errors. The better your credit score, the better your chances of securing competitive remortgage rates.
If you’re worried your score might hold you back, don’t be. There are plenty of specialist lenders out there who don’t rely solely on credit scores to make their decisions. Our job is to match you with the lender who looks beyond the numbers to see the full picture.
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Find the Lowest Interest Rates
The best remortgage deals aren’t just about the lowest rate—they’re about finding a deal that fits your circumstances. That’s where we come in. With access to thousands of mortgage products, we’ll compare remortgage rates across specialist remortgage lenders to ensure you’re getting a deal that works for you, whether you’re looking to switch lenders, release equity, or reduce monthly payments.
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Find Ways to Lower Your Loan-to-Value (LTV)
Your Loan-to-Value (LTV) is the percentage of your property’s value still covered by your mortgage. The lower your LTV, the better the deals available to you. If your home has increased in value or you’ve been making overpayments, you might qualify for better remortgage rates than when you first took out your mortgage. Even a small drop in LTV could unlock lower rates and lower monthly repayments.
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Keep an Eye on Fees
A remortgage with a great rate isn’t always the cheapest option—some deals come with hefty arrangement, valuation, or legal fees. That’s why our mortgage brokers don’t just look at the interest rate; we compare the total cost of your remortgage to make sure you’re actually saving money in the long run.
At Delta Mortgages, our experienced remortgage brokers in Dorset and Hampshire are here to handle the details—comparing the market, checking the fine print (with an actual microscope), and ensuring you get the most cost-effective remortgage possible.
Remortgaging with Bad Credit
If you’ve got a less-than-perfect credit history, you might think remortgaging is out of reach. Maybe you've missed a few payments, had a County Court Judgment (CCJ), or run into financial difficulties in the past. But here’s the reality: bad credit doesn’t mean bad options.
At Delta Mortgages, we believe your financial past shouldn’t define your future. Lenders are more flexible than you might think, and with the right approach, remortgaging with bad credit can still lead to a great deal—one that saves you money, consolidates debts, or puts you on firmer financial footing.
Lenders look at more than just your credit score. They consider:
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Your current income and affordability—how much you earn vs. your outgoings
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Your loan-to-value (LTV)—the lower it is, the stronger your application
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Your recent payment history—if you’re back on track, that’s what matters most
Even with bad credit, missed payments, or CCJs, you can still remortgage. Some specialist lenders are more open-minded, especially if your credit issues are historic rather than recent.
And that’s where our remortgage brokers come in, finding the lenders who say “yes” when others might not. But we’re only a call away and we’re happy to have a chat to see how we can help.
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At Delta Mortgages, we’re big believers in doing what’s right for you, not just pushing you into a deal. So, let’s be upfront—there are times when remortgaging isn’t the best move.
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If you’re locked into a fixed-term deal with hefty early repayment charges, waiting could save you money
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If interest rates are rising, it might be better to hold off until the market settles
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If your credit issues are very recent, you might get a better deal by waiting and improving your credit score first
And that’s where we come in. If remortgaging is the right call, we’ll find you the best rates possible. If it’s not, we’ll give you straight-talking advice on what to do next—whether that’s building up your credit score, reducing your LTV, or waiting for a better time.
No pushy patter. No one-size-fits-all solutions. Just honest, experienced remortgage advice—because that’s how we do things at Delta Mortgages.
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Frequently Asked Questions - Getting a Remortgage
Let’s face it, remortgaging can seem like a maze of rates, paperwork, and jargon. But the truth is, it doesn’t have to be. Whether you’re looking to lower your monthly payments, release equity, or switch to a more competitive rate, remortgaging is a fantastic opportunity to make your mortgage work harder for you.
At Delta Mortgages, we understand that no two remortgage journeys are the same. Whether it’s navigating lender criteria, comparing thousands of deals, or simply answering your burning questions, our team is here to help.
Here are some of the most common remortgaging questions we get asked (and yes, we’ve got answers).
Yes, you can remortgage before your fixed term ends, but you might face an early repayment charge (ERC). These fees can be hefty, so it’s worth weighing up whether the savings from a new deal outweigh the cost of leaving your current mortgage early. If interest rates have dropped significantly or you’re looking to release equity, remortgaging early could still be a smart move.
The best way to find out? Speak to a remortgage adviser—they’ll crunch the numbers and help you decide if remortgaging early makes financial sense for you.
Mortgage rates move with the economy—when interest rates go up, so do mortgage costs. When they go down, better deals become available. The best time to remortgage? Before your current deal ends—ideally, three to six months in advance.
Even if the market is unpredictable, working with a remortgage broker gives you access to lenders across the board—so you’re not just limited to what’s on the high street.
If you’re months away from waving goodbye to mortgage payments forever, remortgaging might not be necessary. If, however, you still have a few years to go, switching to a lower-rate deal could save you money on interest.
For those with just a small balance left, an alternative option could be an offset mortgage—using your savings to reduce interest costs without locking into a new mortgage term. The bottom line? Let’s check your options together before making a decision.
It can, but don’t panic. Most lenders prefer to see at least two years of self-employed income history—but some will accept just one. If you’re newly self-employed, your options may be more limited, but specialist lenders exist who understand the nature of self-employment.
A remortgage adviser can help package your income (salary, dividends, net profit) in the most favourable way to get you approved. The key? Be prepared—gather tax returns, business accounts, and bank statements to strengthen your case.
Comparison websites are a good starting point, but they only show publicly available deals. A remortgage broker, on the other hand, has access to exclusive rates, including those that aren’t listed online.
The good way to ensure you’re getting the lowest remortgage rate is to speak to a broker who can compare thousands of deals and tailor recommendations to your situation. After all, the best mortgage deal isn’t just about the lowest rate—it’s about the right deal for you.
Yes, but the process is much simpler than when you first bought your home—no property chains or frantic moving-day scrambles involved. If you're switching lenders, they’ll need a conveyancer to handle the legal bits—like transferring your mortgage and ensuring the lender has the correct security over your property.
The good news is that some remortgage deals come with free legal work (yes, free!), while others offer cashback towards your solicitor’s fees. And if you're not keen on dealing with paperwork, don't worry—our remortgage brokers can help get everything sorted without the hassle.
We can also explain questions like “What is the Remortgage Legal Process?” (because we’re clever like that).
Not necessarily. While having bad credit might mean fewer lenders roll out the red carpet, it doesn't mean you’re locked out of remortgaging altogether. The severity of your credit issues, how recent they are, and your overall affordability and loan-to-value (LTV) will all play a role in determining your options.
Some lenders specialise in adverse credit remortgages, offering deals tailored to those with missed payments, defaults, or County Court Judgements (CCJs). If you’re worried, speak to a remortgage adviser—they’ll assess your situation and help find lenders who take a pragmatic approach to bad credit.
Absolutely! Self-employed remortgaging is totally doable—it just requires a bit more paperwork. The key is proving stable and consistent income, so lenders feel confident you can meet your repayments.
Here’s what you might need:
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Business accounts – Ideally, three years, but some lenders accept two, or even one.
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Tax returns (SA302s) – Many lenders assess income based on net profits and salary rather than salary and dividends.
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Bank statements – To show income flow and affordability.
If you’re looking for a self-employed mortgage or a mortgage for a contractor, our experienced mortgage advisors help people like you remortgage all the time. Let’s chat about your options.
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The Self-Employment Income Support Scheme (SEISS) grant was a lifeline during the pandemic, but some lenders now see it as a sign of financial hardship. If you’ve received one or more grants, some banks may pause for thought—but others will take a common-sense approach, looking at your wider financial stability rather than just the fact you accepted SEISS.
If your income has recovered well and your affordability is strong, there are lenders out there who will be happy to consider your application. A remortgage broker can steer you towards lenders who take a balanced view of SEISS grants—so you don’t waste time with those who won’t.
Yes! Age is just a number—and many lenders agree. While some have upper age limits, others are more flexible, especially if you can show affordable retirement income.
Your options will depend on factors like:
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Pension income – Lenders want to know your future income is sustainable.
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Loan term – Some lenders require the mortgage to be repaid by a certain age, while others don’t.
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Equity in your home – More equity means better remortgage rates and options.
There are even specialist retirement mortgages designed for homeowners later in life. Let’s discuss the best remortgage options for you.
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Not necessarily! While low-rate remortgages can be attractive, it’s not just about the headline number. Some low-rate deals come with high fees, early repayment charges, or less flexibility—meaning they might cost you more in the long run.
Before locking in a deal, consider:
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The total cost – Factor in lender fees and how long you plan to stay in the deal.
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Flexibility – Can you make overpayments? Can you switch without penalties?
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Your future plans – If you might move or pay off your mortgage early, a deal with a slightly higher rate but fewer restrictions might be better.
A remortgage broker (that’s us! 👋🏼) can help you balance interest rates, fees, and flexibility to find a deal that genuinely saves you money.
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How to remortgage with Delta Mortgages
At Delta Mortgages, remortgaging isn’t just what we do—it’s what we live and breathe. Our mortgage brokers track remortgage rates daily, analysing changes across the market so that when the best deal pops up, we’re already on it.
Trying to navigate the mortgage market alone is a bit like trying to assemble flat-pack furniture without instructions—it can be done, but why put yourself through it? We know the lenders, the rates, and the ever-changing criteria that could affect your application.
And we don’t just find you a great remortgage deal, we keep an eye on it. If rates drop before your new mortgage completes, we can switch you to a better one (no extra effort required from you).
And if they rise? Well, you’re already locked into the lower rate we secured for you. Win-win.
Beyond securing you the best deal, we’re here to demystify the remortgage process. We’ll handle the paperwork, negotiations, and lender queries so you don’t have to.
Whether you’re switching lenders, releasing equity, or just looking for a lower monthly payment, we’ve got your back—every step of the way.
Meet the Team That’s Got Your Back
At Delta Mortgages, we combine decades of experience with down-to-earth support that actually helps. No scripts. No waffle. Just lovely mortgage brokers who bring clarity, calm—and a bit of personality—to every step of your journey.
Get to know the people who’ll guide you from start to keys.
Your property could be repossessed if you do not keep up repayments on a mortgage, or any debt secured on it.