Refinance

You have had the same loan for a few years, your fixed term is ending, or your rate has quietly drifted upward while new customers get a better deal. Refinancing is how you make the market compete for your loan again.

We review your current loan against the market, shortlist the lenders worth moving to, and handle the discharge and application paperwork from end to end. If staying where you are turns out to be the better deal, we tell you that too.

Refinancing is also how you tidy things up. You can access equity in your property to fold personal loans, car loans, or credit cards into your mortgage: one repayment instead of four, usually at a much lower rate.

Discharge and application fees, break costs on fixed rates, and honeymoon rates that revert high after the first year. We price the whole move, not just the headline rate, before recommending it.