Remortgages in Surrey 

Remortgaging your property could allow you to secure a better deal and save thousands. Or you could use this option to borrow more money. Whatever your financial goals, we can help you manage the process of remortgaging with ease.

01932 865500

How JML will help you find the best mortgage in 3 simple steps

Step 1
Compare & check

From big banks and niche lenders, we can provide an overview of what mortgage products are available to you.
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Step 2
See if you qualify

We pre-qualify candidates with just a few questions over the phone or online. We’ll then let you know which deals you can access.
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Step 3
Apply online

We simplify the application process by keeping everything secure in one place, so when you’re ready to apply we have all the information we need.
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Call us to start saving today
01932 865500

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Looking for a new mortgage deal?

The process of remortgaging can be intimidating, particularly the first time. Knowing when to start the process, what you need to do and if you’re even eligible can be difficult. We’ll guide you through the process and make sure you’re informed every step of the way.

What does it mean to remortgage?

Remortgaging is simply changing to a new mortgage deal. You may choose to remortgage your property with a different lender or simply take a product transfer (remortgage onto another product with your current lender).

The majority of those looking to remortgage want to save money, but some also look for a new deal with greater flexibility, such as the ability to make mortgage overpayments, or offset their savings against mortgage interest.

Another common reason is to borrow more money against your home to fund home improvements or large one-off purchases.

What is remortgaging?

When your mortgage deal comes to an end, you have the option to switch to a new deal. This could offer better terms, lower repayments, or give you the option to borrow more money. Choosing to switch lenders or transfer to a new product from the same lender can have widespread implications for your finances, so it’s vital to get expert advice.
Whether you are looking to save money on your mortgage, find a more flexible deal, or borrow more money to pay for things like home improvements or debt consolidation, we can help. We’ll look at your current financial circumstances and explore all of the options available to you.

Why should you consider switching mortgage products?

he decision to stay put with your current mortgage and provider or switch to a new lender can be difficult to understand. There is a good chance your first mortgage was offered at an introductory rate, and you could see your monthly payments increase if you stay put.

If you have been told you will switch to your lender’s standard variable rate (SVR) when your mortgage term comes to an end, you might be financially better off by switching lenders.

We can help you to assess your options and look at the alternative options available to you. This could include choosing a new product from the same lender or switching to a new lender. We’ll help you to understand the financial implications of each option so you can make an informed choice.

How does the remortgaging process work?

You can start looking for a new mortgage deal up to 6 months before the end of your current mortgage term. The process of remortgaging your home will be very similar to the initial application process, so there will be eligibility criteria to meet. If your personal circumstances have changed since you first took out a mortgage, we can help you understand how this might impact your application.


A simple product transfer might be easier and the eligibility criteria will be simpler. You likely won’t need to undergo a credit checking process unless you are switching to a new product with the same lender and looking to increase your borrowing. We will help you to understand the options available to you and how this will impact your finances in the short and long term.

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Ask The Mortgage Experts

01932 865500
We want you to feel informed, not overwhelmed. If you have questions about the process of working with an independent mortgage broker, get in touch with our team today. We’ll break it down in simple terms so you can understand the best course of action for your needs. Call our team today for more information or kick-start the process by checking if you qualify.
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