We’ll start with a quick call to understand why you’re remortgaging and what you want to achieve next.
Remortgage Advice in London: A Smarter Way to Switch
We offer clear, independent advice to help you review your current mortgage, understand your options and decide whether remortgaging could be right for your circumstances.
Our Solution
Remortgaging Can Be Stressful, But It Shouldn’t Be
Remortgaging means reviewing your existing mortgage and potentially moving to a new deal, either with your current lender or a different one, without moving home.
At AS Financial, we look beyond the headline rate. We take the time to understand your current mortgage, your circumstances and what you want to achieve, helping you make an informed decision about what comes next.
It’s about more than saving money.
It’s about staying on track.
Before You Remortgage:
What Really Matters
Getting a remortgage isn’t just a box to tick, it’s a chance to reassess your goals, protect your future and review your wider financial picture.
Consider the overall cost
A lower rate doesn’t automatically mean a better deal. Product fees, incentives, legal or valuation costs and any early repayment charges can all affect the overall cost.
Understand your loan-to-value
Your mortgage balance and property value will determine your loan-to-value position, which can influence the mortgage options available to you.
Plan your next mortgage
The right option will depend on more than price. Your future plans, preferred mortgage features and whether you want to borrow more can all influence the decision.
Review your protection
If your mortgage or circumstances have changed, it can also be a useful time to review whether your existing Life Insurance, Critical Illness Cover or Income Protection still reflects your needs.
How We Help
Our Approach to Remortgaging
We understand that remortgaging isn’t just a transaction. It’s an opportunity to review where you are now and what you want your mortgage to do next.
We listen before we advise.
Whether you want to review your payments, borrow more or plan ahead, we start with your goals, not just your interest rate.
We explain your options clearly.
No jargon or hidden assumptions. Just clear advice to help you understand the options available.
We help you understand the costs.
From arrangement fees to early repayment charges, we’ll help you understand the costs involved and compare the wider picture rather than focusing on the headline rate alone.
We’re fully independent.
We can consider options from across the market rather than limiting the conversation to your existing lender.
Our Process
The AS Financial Remortgage Journey
Our approach is structured, supportive, and completely transparent. Here’s how we guide you:
01/
Your Goals & Priorities
02/
Whole-Market Research
We review options from your existing lender and across the wider market, considering rates, fees, features and overall cost alongside your circumstances.
03/
Clear Recommendations
You’ll get a personalised comparison showing the real costs and benefits of each route, explained clearly and honestly.
04/
Smooth Application Support
We handle paperwork, coordinate with your lender, and keep everything moving, so you don’t have to chase updates.
05/
Ongoing Support
Even after completion, we’re just a call away. Have a question, need a future review, or planning your next move? We’re still with you.
They showed me how remortgaging could support my long-term plans – not just save money. The advice was real, reassuring, and explained in normal language.
James, Surrey
Need Help
Remortgage FAQs
When should I start looking at remortgage options?
It’s usually worth reviewing your options before your current mortgage deal ends.
Starting early gives you time to understand what’s available, consider any costs or charges and plan what you want to do next.
The right timing depends on your existing mortgage and circumstances.
Do I need to remortgage with my current lender?
No. Depending on your circumstances, you may be able to take a new deal with your existing lender or move your mortgage to another lender.
We can review options from your current lender alongside the wider market to help you understand the differences and decide which route may be appropriate.
What fees might be involved?
The costs involved will depend on the mortgage and lender.
These could include arrangement or product fees, valuation or legal costs and, depending on your existing mortgage, an early repayment charge.
We’ll help you understand the costs involved so you can compare the overall value of different options rather than looking at the interest rate alone.
Can I remortgage early?
It may be possible to remortgage before your current deal ends, but that doesn’t necessarily mean it will be financially worthwhile.
Your existing mortgage may have an early repayment charge or other costs associated with leaving the deal early.
We can help you compare those costs with the potential benefits of changing your mortgage so you can make an informed decision.