Remortgaging doesn’t have to be complicated — and it could save you a significant amount of money every month. Whether your current deal is coming to an end, you want to release equity, or you’re looking to consolidate borrowing, Craig Adams Mortgages is here to make the process straightforward, stress-free, and rewarding.
We’re Whole of Market, which means we work with lenders across the UK to secure the most suitable remortgage deal for your needs.
Remortgaging simply means switching your mortgage to a new deal – either with your existing lender or a different one. Most people remortgage prior to the fixed-rate period ending and their lender’s Standard Variable Rate (SVR) kicking in, which is usually much higher. Timing is everything to avoid any early repayment charges set by the lender, something we’ll help you to avoid.
By remortgaging at the right time, you can often reduce your monthly payments, shorten your mortgage term, or free up funds for other goals such as home improvements or debt consolidation.
There are many reasons homeowners choose to remortgage. Some of the most common include:
Your current deal is ending – Avoid being moved onto a costly variable rate.
To reduce your monthly payments – Take advantage of lower interest rates or better terms.
To release equity – Access some of the value tied up in your home for renovations, investments, or other plans.
To consolidate debts – Combine loans or credit cards into one manageable payment (with careful consideration of overall cost).
To overpay or reduce your term – Restructure your mortgage to become mortgage-free sooner.
Whatever your motivation, we’ll explore every option to find the deal that best fits your goals and circumstances.
We recommend reviewing your mortgage around six months before your current deal ends. That gives you time to compare the market, secure a new offer, and ensure a seamless switch with no gap between rates.
Even if you’re mid-way through a fixed term, it can still be worth checking whether an early switch could save you money. We’ll calculate any potential savings against exit fees to see if it’s worthwhile.
At Craig Adams Mortgages, we make remortgaging easy. We’ll handle the research, paperwork, and lender communication so you can focus on what matters most — enjoying the benefits of your new deal.
Our service includes:
Comparing deals from a wide panel of lenders across the market.
Identifying early repayment charges and assessing whether switching makes sense.
Explaining fixed, tracker, and offset mortgage options in plain English.
Handling the application from start to finish with clear updates throughout.
We’re completely independent and work for you — not the banks. That means our advice is based solely on what’s best for your situation.
Yes — in many cases you can. Every lender has different criteria, and while some may decline an application with missed payments or defaults, others will take a more flexible approach.
We have experience helping clients with a range of credit backgrounds. By reviewing your credit history in detail and matching you with the right lenders, we’ll give you the best possible chance of approval.
The remortgage process typically takes between 4 and 12 weeks, depending on the lender and whether legal work is required. Straightforward product transfers with the same lender can often be completed in just a few days.
We’ll manage the process efficiently, liaising with solicitors and lenders to keep things moving smoothly from start to finish.
Some lenders offer free legal and valuation services as part of their remortgage deals, while others may charge small administration fees. We’ll outline all costs upfront before you proceed so there are no surprises along the way.
Craig Adams Mortgages also operates with complete transparency — our fees are clear, fixed, and only payable when you decide to move forward.
With interest rates changing and new deals constantly emerging, now is the perfect time to review your mortgage and see what you could save. Whether you’re looking to cut costs, raise funds, or simply gain more flexibility, we’ll help you make the smartest move.
Craig Adams Mortgages is here to guide you every step of the way — from comparison to completion.
Ready to see what you could save? Book your free remortgage review today and let’s find a deal that works for you.
