Whether you're a homeowner looking to reduce monthly repayments or a landlord seeking to optimise your investment portfolio, conducting a remortgage comparison is critical to identifying the most suitable loan product for your needs. With rising interest rates and evolving lending criteria, the UK mortgage market is more dynamic than ever—and timing, lender choice, and product structure can significantly affect your financial outcomes.
Fraser Bond partners with trusted brokers and lenders to guide clients through strategic remortgaging—ensuring every decision aligns with long-term property goals and cash flow targets.
If your existing fixed-rate or tracker mortgage deal is coming to an end, you may be moved to your lender’s Standard Variable Rate (SVR)—which is often significantly higher. Remortgaging can lock in a new fixed or variable rate that reduces your monthly payments.
Use the value you've built in your property to fund:
Home improvements
Buy-to-let property purchases
Debt consolidation
Business investment or personal expenses
Switch from interest-only to repayment (or vice versa), extend or shorten the loan term, or consolidate multiple mortgages under one product.
When comparing remortgage options, consider the following:
| Feature | What to Compare |
|---|---|
| Interest Rate | Fixed, tracker, or discount deals |
| Loan-to-Value (LTV) | Maximum borrowing based on property value |
| Fees | Product fees, valuation, legal and exit fees |
| Incentives | Free valuation, legal cover, cashback |
| Early Repayment Charges | Penalties if you overpay or switch again |
| Flexibility | Overpayment allowances, porting options |
Fraser Bond helps clients assess not just cost, but suitability—factoring in investment strategy, risk tolerance, and future liquidity plans.
Remortgaging investment properties has its own dynamics. Landlords must also assess:
Rental income stress testing (usually 125–145% at 5.5%)
Portfolio landlord status (if owning four or more properties)
Limited company borrowing vs personal name
Impact of interest deductibility and tax changes
Capital raising for further property acquisition
Fraser Bond provides tailored advice for buy-to-let investors, including introductions to specialist brokers and tax advisors.
Many borrowers are offered a product transfer—a new rate with the same lender. While convenient, this isn’t always the best-value option.
| Option | Pros | Cons |
|---|---|---|
| Product Transfer | Faster, fewer fees, no revaluation | May miss better deals elsewhere |
| Full Remortgage | Broader market access | May involve more paperwork and fees |
Fraser Bond works with independent mortgage specialists who compare over 90 lenders, ensuring you get the most competitive product—not just the easiest one.
Begin your remortgage comparison 3–6 months before your current deal ends. This allows:
Time for valuation and legal work
Access to limited-time offers
Avoidance of early repayment charges while ensuring seamless transition
Fraser Bond supports homeowners and landlords by offering:
Access to whole-of-market mortgage brokers
Coordination of valuation, conveyancing, and underwriting
Portfolio finance planning for investors
Guidance on capital raising and equity release
Post-remortgage support through our property management team (where applicable)
We ensure your remortgage supports your broader financial and real estate strategy—not just your immediate rate concerns.
In today’s property finance landscape, a well-timed and carefully considered remortgage can unlock value, reduce cost, and improve liquidity. With numerous lenders, rates, and product structures to consider, a comprehensive remortgage comparison is vital.
Fraser Bond ensures that whether you're a homeowner or an investor, you receive strategic, unbiased advice—so your next mortgage decision is as sound as your property investment.
