🏡 Remortgaging in Guildford

Coming to the end of a fixed rate or looking to reduce your monthly payments? We help homeowners across Guildford, Burpham, Merrow, Shalford and Godalming review their options, compare deals and switch smoothly. If a recommendation is required, we’ll connect you with an FCA-regulated adviser who can tailor the advice to your circumstances.

💡 Why Remortgage?

• 💷 Lower payments: Move off a higher SVR onto a sharper rate
• 🏠 Release equity: Fund improvements, extensions or other property plans
• 📆 Fix for certainty: Lock payments for 2, 5 or 10 years
• 🔄 Restructure: Change term, repayment type or add/remove a borrower

🤝 How We Help

• ⏳ Check timing around early repayment charges (ERCs) and product end dates
• 📊 Compare lenders on total cost — not just the headline rate
• 📑 Prepare documents upfront to keep underwriting smooth
• ⚖️ Coordinate valuation and legal steps for a clean switch

⏰ When Should You Start?

Many lenders allow a new deal to be secured 3–6 months before your current rate ends. Starting early helps you avoid slipping onto a costly SVR.

📋 Product Options

• 🔒 Fixed rates: Payment certainty for budgeting
• 📈 Trackers/discounts: Flexibility where suitable
• ⚡ Product transfers: Quick switches with your current lender
• 💰 Like-for-like vs. capital raise: Keep balance the same or release funds

📍 Local Notes

Guildford’s stock ranges from central townhouses to family homes in Burpham and riverside properties near Shalford. Valuers will consider recent comparables and EPCs; clear improvement plans (if raising capital) strengthen the case.

❓ Remortgage FAQs

🏦 Do I have to stay with my current lender?

No — a product transfer can be convenient, but switching lender may cut costs.

💳 Will I pay fees again?

Possibly (arrangement/valuation/legal). We’ll weigh fee-free vs. lower-rate options on total cost.

📆 Can I change the mortgage term?

Often yes, subject to affordability and criteria.

🔨 Can I raise funds for home improvements?

Commonly yes — lenders will ask how funds are used; quotes can help.

➡️ Next Steps

Share your rate end date and goals. We’ll outline options and connect you with an FCA-regulated adviser to secure the right deal.