Why change mortgage?

Often mortgages start on a special rate for the first 2 - 3 years, after this period your mortgage payments may automatically revert to the lender’s standard variable interest rate. This could mean an increase in your mortgage payments.

The good news is that we may be able to negotiate a new mortgage deal to reduce your monthly mortgage payments. You may be eligible for a much lower interest rate with another lender; however, this will depend on your circumstances. More and more of our customers are making the decision to switch their mortgage package to get greater value for their money and help fund a better lifestyle.

At Total Home Loans we aim to select the best product in the market to suit your individual needs and understanding your reasons for remortgaging will help us consider your options.

•Need to consolidate your debts / have just one loan?

•Like to raise cash from the equity in your home?

•Want to lower your monthly repayments?

With increasing competition between lenders, let us shop around to find the best deal for you. We will also liaise with solicitors and valuers to make the process as smooth and easy as possible for you.

You may have to pay an early repayment charge to your existing lender if you remortgage.

There will be a fee for Mortgage advice. The precise amount will depend upon your circumstances, but we estimate that to will be £650