Remortgage advice in Bournemouth, Dorset & Hampshire
Find the right next step for your mortgage
Your current mortgage deal may be ending, you might be looking for a better deal, or your circumstances may have changed.
Whatever has brought you here, you don't need to work out the best route on your own.
-
Don't trawl through endless websites to find out what product is right for you. We have expert knowledge and offer remortgage advice that makes it straightforward from start to finish.
-
We find out whether you're eligible for certain products and whether they're right for your specific circumstances.
We'll look at where you are now, what you want from your mortgage and the options available to you — including whether it makes sense to stay with your current lender or remortgage elsewhere. Then we'll explain your options clearly and help you take the next step.
Based in Bournemouth, we help homeowners across Bournemouth, Poole, Christchurch, Dorset, Hampshire and beyond.
Why choose Bournemouth Mortgages for your remortgage?
Choosing what to do with your mortgage is a big financial decision, so it helps to have an experienced adviser in your corner.
We're an independent mortgage broker based in Bournemouth, helping homeowners locally and further afield understand their options and make the right decision for their circumstances.
We'll take the time to understand what you want to achieve, explain your options in plain English and be there throughout the process if you decide to go ahead.
Our customers regularly tell us they value our personal service, clear advice and support from start to finish. Here's what Ali said about his experience of remortgaging with us:
"Absolutely fantastic service. We needed a remortgage and found it very difficult to get a remortgage from other brokers. It was a breath of fresh air dealing with George, who went about the process meticulously, making sure all our requirements were satisfied and subsequently finding us the best remortgage that suited our needs within our specific requirements.
George was excellent throughout the whole process. Problem solving and making sure we understood every part of the process. I would say he went above and beyond in his communication and professional approach and made what was a difficult remortgage seem very smooth, which really helped ease our stress. I would most highly recommend George."
Ali - 5-star Google review
What you can expect from us
-
Independent mortgage advice — We consider suitable options from across the market, not just your current lender.
-
Personal, straightforward service — Clear advice tailored to your circumstances, without unnecessary jargon.
-
Available 7 days a week — Speak to us when it suits you, including outside traditional office hours.
-
Genuinely local expertise — We're an independent business based in Bournemouth, helping homeowners across Dorset, Hampshire and beyond.
Rated 5 stars on Google by local residents
Mortgage deal ending - Rate switch or remortgage?
When your current mortgage deal is coming to an end, your existing lender may offer you a choice of new deals. Moving onto a new deal with the same lender is often called a rate switch or product transfer.
A rate switch can be a straightforward option because you're staying with your existing lender. But before accepting their offer, it can be worth checking what else is available.
You could also remortgage to another lender, which may give you access to different rates or products. Remortgaging can also be worth considering if your circumstances have changed or you want your mortgage to do something different – for example, borrowing more or releasing equity.
Not sure which option is right for you?
You don't need to work that out before getting in touch. We can review the new deal available from your existing lender alongside suitable remortgage options from across the market and explain how they compare.
We'll consider more than just the headline interest rate. We'll look at the overall costs and your individual circumstances so you can understand whether staying with your existing lender or remortgaging elsewhere makes more sense for you.
Our rate switch vs remortgage review is free
There's no charge for this initial rate switch versus remortgage review, and there's no obligation to proceed. If staying with your existing lender is the right option, we can arrange the rate switch for you with no broker fee.
If remortgaging elsewhere looks like the better option, we may be able to arrange your remortgage without charging a broker fee depending on the complexity of your case.
If a broker fee does apply, we'll make this completely clear to you before you decide whether to go ahead.
How our remortgage service works
We know that reviewing your mortgage can feel like another job on an already busy to-do list.
Our role is to make the process straightforward, explain your options clearly and take care of the details if you decide to go ahead.
1. Tell us about your mortgage and what you need
We'll get to know your circumstances, review your existing mortgage and understand what you'd like to achieve. Whether your deal is ending, you're looking to borrow more or your circumstances have changed, we'll start with what matters to you.
2. We'll compare your options
We'll look at suitable deals from your existing lender and other lenders, considering the rates, fees and features that matter for your circumstances.
3. We'll explain our recommendation
We'll talk you through the options in plain English, explain the costs and help you understand the implications of each route. You'll have the information you need to decide what feels right for you.
4. We'll take care of the next steps
If you decide to proceed, we'll arrange your rate switch or manage your remortgage application, dealing with the lender and keeping you updated throughout the process.
Reasons to remortgage your property
There are several reasons you might be thinking about remortgaging. Your current deal may be coming to an end, you might want to change how much you borrow, or your circumstances may be different from when you first took out your mortgage.
Whatever has prompted you to review your mortgage, we'll help you understand the options available and the costs involved.
Your current mortgage deal is ending
If your fixed or introductory rate is coming to an end, you could move onto your lender's standard variable rate (SVR), which may mean higher monthly repayments.
Reviewing your mortgage before your deal ends gives you time to compare a new deal with your existing lender against suitable remortgage options elsewhere.
You want to review your mortgage rate or monthly payments
A remortgage could help you find a mortgage deal that better suits your circumstances. That might mean a different interest rate, a change to your mortgage term or more suitable product features.
We'll look at the overall cost of your options, including any relevant fees, rather than focusing on the headline rate alone.
3. Raising additional funds
You want to release equity from your home
You may be considering borrowing more against your property to fund home improvements or another significant expense.
We'll help you explore whether additional borrowing is suitable, what it could cost and how it may affect your monthly repayments and longer-term finances.
You want to consolidate existing debts
Some homeowners consider remortgaging to bring other borrowing into their mortgage.
Although this could reduce monthly outgoings, it can mean paying more interest over a longer period and turning previously unsecured borrowing into debt secured against your home.
We'll help you understand the implications before you make a decision.
Your circumstances have changed
Perhaps you've become self-employed, changed jobs, had a change in income or need your mortgage to accommodate a different stage of life.
Your circumstances don't have to be the same as when you originally took out your mortgage. We can help you explore which options may be available to you now.
When should you start looking at remortgaging?
Around six months before your current mortgage deal ends is a good time to start.
You don't need to wait until your fixed rate has expired to start exploring your options. Getting in touch early gives us time to review your circumstances, compare suitable deals and help you plan your next steps.
Many lenders allow you to secure a new mortgage deal up to six months before your existing one expires. This means you may be able to arrange your next deal in advance, giving you more certainty about what your mortgage payments might look like when your current deal ends.
What if your mortgage deal has already ended?
If your previous mortgage deal has ended and you've moved onto your lender's standard variable rate (SVR), you could be paying more than you need to each month.
It's worth reviewing your options as soon as possible. We can compare a new deal with your existing lender against suitable remortgage options elsewhere to see whether you could reduce your monthly repayments.
Is your mortgage deal ending within the next six months? Let's check your options.
Call 📞 01202 985214
Or request a call back:
Rated 5 stars on Google by local residents
Your free Bournemouth Mortgages guide to remortgaging
Remortgages - FAQs
1. What does remortgaging involve?
Remortgaging usually means moving your mortgage to a new lender. If you stay with your existing lender and choose a new deal, this is generally called a rate switch or product transfer. Both options are worth considering when your current mortgage deal is ending, and we can help you compare them.
2. When is the best time to remortgage?
Around six months before your current mortgage deal ends is a good time to start reviewing your options. Many lenders allow you to secure a new deal up to six months in advance, giving you time to compare your existing lender's offer against suitable remortgage options elsewhere.
3. Can I remortgage to release equity?
Yes, remortgaging can be one way to release equity from your home, for example to fund home improvements or other significant expenses. How much you may be able to borrow depends on factors including your property's value, your outstanding mortgage, your income and the lender's affordability criteria.
4. Is it worth remortgaging if my mortgage has early repayment charges?
It depends on the overall costs and potential benefits. An early repayment charge could outweigh the savings from moving to a new deal, so it's important to compare the figures carefully. We can help you understand whether remortgaging now or waiting until your current deal ends may be more suitable for your circumstances.
5. Do I need a solicitor to remortgage?
If you're remortgaging to a different lender, legal work is usually required. Some lenders offer remortgage deals that include a standard legal package or contribute towards legal costs. If you're simply switching rates with your existing lender, a solicitor generally isn't needed. We'll explain what applies to your chosen option.
Calculators, blogs and guides
Residential remortgage calculator
If you’re considering remortgaging, our mortgage calculator can help you explore potential borrowing figures and monthly payments, giving you a clearer idea of what switching deals might look like. They’re designed as a useful starting point before you begin reviewing your options in detail.
Remortgaging in your local area
We help homeowners across Bournemouth and the surrounding areas remortgage with confidence, using local insight into neighbourhoods, property types and lender expectations. Explore guidance tailored to where your property is located through our remortgage area pages:
Boscombe Boscombe East & Pokesdown
Ready to find out what your next mortgage deal could look like?
Whether your current deal is ending, you're already paying your lender's standard variable rate or you're considering borrowing more, we're here to help you understand your options.
We'll compare suitable deals, explain the costs clearly and help you decide on your next step.
Call 📞 01202 985214
Or request a call back:
Rated 5 stars on Google by local residents