Your existing mortgage
Remortgage advice, with your plans in mind.
If your current deal is coming to an end or your circumstances have changed, it is worth understanding your options before making a decision.
Review your mortgageConsider the mortgage as a whole
We consider the mortgage as a whole, including the rate, term and relevant costs. Moving to a different lender is not automatically the right choice for everyone.
Our advice is fee-free. Costs associated with a mortgage are separate from our advice. Your adviser can explain the costs relevant to the options you are considering.
What should you prepare for a mortgage review?
Your income, commitments, plans and priorities all matter. Think about your current mortgage and when its deal ends, as well as any changes to your circumstances.
- When does your current mortgage deal end?
- Have your income or regular commitments changed?
- What would you like to understand about the rate, term and relevant costs?
- Are you staying in your home or considering a move?
If a move is part of your plans, read our moving-home and mortgage porting guide. Taking an existing product to another property is a different conversation from reviewing the mortgage on your current home.
Based in Edinburgh, we work with homeowners across Central Scotland and the UK, including self-employed professionals, landlords and company directors.
Explore the figures
Our repayment illustration shows how a loan amount, interest rate and term could affect monthly repayments. It assumes the same rate throughout the term and excludes fees and other charges.
A calculator cannot establish which mortgage is suitable for you. A lender will assess eligibility and affordability against its own requirements.
Review your wider household commitments
A change in your mortgage or income is also an opportunity to discuss whether existing protection still fits. Our income protection guide explains considerations such as sick pay, savings and regular outgoings. Speak to your adviser before changing existing cover.
One adviser throughout
You work with the same adviser from your initial enquiry through to application, completion and ongoing support. Please keep sensitive documents out of an initial message; your adviser will explain what information is needed and how to provide it.