Review the current deal
Check the balance, rate, end date and any charge for changing the mortgage early.
Remortgage advice
Remortgage advice before your current deal ends.
Rahul will compare a new deal from your current lender with suitable remortgage options available through RG Financial Services. He’ll explain rates, fees, incentives and any early repayment charge so you can assess the overall cost before deciding.
Review my mortgage Answer four short questions, then choose how to contact Rahul.Important information
Your property may be repossessed if you do not keep up repayments on your mortgage.
Your initial review
Remortgage questions to consider before your deal ends.
01
When should I start the review?
02
Should I stay with my current lender or remortgage elsewhere?
03
Which fees, charges and incentives affect the total cost?
04
Could I change the term or borrowing amount?
What the advice covers
How Rahul compares product transfers and remortgage options.
Rahul takes time to understand your circumstances, researches suitable mortgages from the lenders and products available through RG Financial Services, then explains why he considers his recommendation suitable, the costs involved and any relevant risks. If you proceed, he remains your contact while the application progresses.
- Reviewing your current deal and end date
- Options with your current lender and other suitable lenders
- Fees, incentives and early repayment charges
- Term changes or additional borrowing
- Application and legal process support
Preparing for a review
Current mortgage details to prepare for your review.
You do not need every document before contacting Rahul. This list is a useful starting point and he will confirm what is needed for your circumstances.
- Your latest mortgage statement and deal end date
- The current balance, rate and monthly payment
- Any early repayment charge and product fee
- Changes you want to make to the term or borrowing
How the advice works
From reviewing your current deal to putting the next one in place.
Compare costs and features
Consider the rate, fees, incentives, term and practical work involved in each suitable option.
Put the chosen option in place
If you decide to proceed, Rahul will help arrange the selected option with your current deal end date in mind.
Frequently asked
Common remortgage questions.
These answers are general. Advice and lender criteria depend on your individual circumstances.
How early should I review my mortgage?
Around six months before your current deal ends is a useful starting point. This can provide time to compare a product transfer with suitable remortgage options, consider fees and any early repayment charge, and prepare for the next step. The right timing depends on your mortgage and circumstances.
Is a product transfer simpler than remortgaging?
It can involve fewer steps, but the available products are limited to your current lender. A remortgage may involve a full affordability assessment, valuation and legal work. The overall cost and suitability matter more than the number of steps.
Will remortgaging reduce my monthly payment?
There is no guarantee. The result depends on the rates available, fees, mortgage balance, term and your circumstances. Extending the term may reduce the monthly payment while increasing the total amount repaid.
Can I borrow more at the same time?
Potentially, subject to affordability, purpose, property value and lender criteria. Additional borrowing should be considered alongside the cost and term of the whole mortgage.
Contact Rahul
Would you like to review your current mortgage?
Tell Rahul when your current deal ends and whether you want to change the payment, mortgage term or borrowing amount.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances and will be agreed with you before proceeding. The estimated fee is £299, payable at application.
Review my mortgage