Are you a current home owner and considering re-mortgaging?


People decide to re-mortgage for many reasons:

  • Existing deal coming to an end

  • To get a lower interest rate

  • To borrow more money for home improvement loans

  • To change a residential mortgage to a buy-to-let mortgage

  • To consolidate existing debt*

*Debit consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debits against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advance Service (link below), these services may be more suitable for you. - PLEASE NOTE - by clicking on this link you will be departing from the regulatory site of RFS Mortgages. Neither RFS Mortgages or PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. 


If you are in the middle of a mortgage deal and looking to re-mortgage, moving lenders is also not always the right thing to do. It is important to consider fees involved – both those of the new lender and those of you existing lender, who may charge you to exit your current mortgage. See Renewal section for further information.

Whatever your reason for re-mortgaging it is important to carefully consider if it is the best option for you at the time. At RFS, our job is to provide you with the appropriate advice to help you think through and make this decision.

To arrange to speak to a Mortgage Adviser please contact us using your preferred method of contact below