Remortgaging
How We Work
Guidance You Can Rely On, Advice You Can Trust
Know Your Budget
Understand what you can comfortably afford — we’ll help you work it out.
Beyond the Rate
Rates matter, but fees and terms matter too. We compare the full picture.
Plan Ahead
Your mortgage should fit your future plans, not just today.
Get Expert Guidance
Personalised advice ensures you choose the right deal with confidence.
Remortgaging to Suit Your Needs
Many homeowners consider remortgaging for a few key reasons: your fixed or variable rate is coming to an end, you’ve already moved onto a higher standard variable rate, or you need to borrow additional funds - for example, to improve your home. Reviewing your mortgage at the right time can help you secure a better rate, manage your payments, and keep your plans on track.
It can also give you the opportunity to reduce your mortgage term, bringing you closer to paying off your home sooner - a goal most homeowners share. With expert guidance, you’ll understand your options and make confident decisions that support your goals now and in the future.
Expect a seamless, straightforward, and stress-free journey.
Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.
12000+
Mortgage Products
100+
Mortgage lenders
100%
Tailored service
30+
Available insurers
FAQ's
Frequently Asked Questions
What is a remortgage?
A remortgage is when you switch your existing mortgage to a new deal — either with your current lender or a new one. It’s often done to save money, secure a better rate, or release equity from your property.
Why should I remortgage my home?
People remortgage for many reasons: to reduce monthly payments, avoid moving onto a higher standard variable rate, release equity, or find a deal that better suits their current circumstances.
When is the best time to remortgage?
The ideal time is usually a few months before your fixed or discounted rate ends. This gives you time to secure a new deal and avoid switching to your lender’s standard variable rate.
Can I remortgage with bad credit?
Yes, it may still be possible. Some lenders offer options for borrowers with credit issues. Speaking with an adviser can help you understand your choices and find the most suitable route forward.
Hollybeck Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Hollybeck Limited. Registered address: 81 Burton Road, Derby, Derbyshire, DE1 1TJ. Registered in England & Wales under number 10337505.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Our typical fee is £495.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Mortgage
Protection
Legal
Copyright 2026 Hollybeck.
All Rights Reserved.