Review the current deal
Check the balance, rate, end date and any charge for changing the mortgage early.
Remortgage advice
Review your mortgage before your current deal ends.
Rahul will review whether staying with your current lender or remortgaging elsewhere may be suitable, explain the relevant fees and any early repayment charge, and help you compare the options.
Review my mortgage Start with a phone or video conversation.Important information
Your property may be repossessed if you do not keep up repayments on your mortgage.
Your initial review
Questions to cover in your initial review.
01
When should I start the review?
02
Should I stay with my current lender or remortgage elsewhere?
03
Which fees, charges and incentives affect the total cost?
04
Could I change the term or borrowing amount?
What the advice covers
Research, recommendation and application support.
Rahul reviews your circumstances, researches suitable mortgages from the lenders and products available through RG Financial Services, and explains his recommendation, its costs and relevant risks before you decide whether to proceed.
- Current-deal and end-date review
- Options with your current lender and other suitable lenders
- Fees, incentives and early repayment charges
- Term changes or additional borrowing
- Application and legal-process support
Preparing for a review
Information that will help Rahul understand your circumstances.
You do not need to have every document ready before contacting Rahul. This list is a useful starting point.
- Your latest mortgage statement and deal end date
- The current balance, rate and monthly payment
- Any early repayment charge and product fee
- Changes you want to make to the term or borrowing
How the advice works
Three stages from reviewing your needs to progressing your chosen option.
Compare costs and features
Consider the rate, fees, incentives, term and practical work involved in each suitable option.
Arrange the chosen option
If you decide to proceed, begin the chosen option with your current deal end date in mind.
Frequently asked
Answers to common questions.
These answers are general. Advice and lender criteria depend on your individual circumstances.
How early should I review my mortgage?
The right timing depends on your deal, any early repayment charge and how long alternative applications may take. Starting several months before the end date can provide useful time to compare, but Rahul will plan around your actual mortgage.
Is a product transfer simpler than remortgaging?
It can involve fewer steps, but the available products are limited to your current lender. A remortgage may involve a full affordability assessment, valuation and legal work. The overall cost and suitability matter more than the number of steps.
Will remortgaging reduce my monthly payment?
There is no guarantee. The result depends on the rates available, fees, mortgage balance, term and your circumstances. Extending the term may reduce the monthly payment while increasing the total amount repaid.
Can I borrow more at the same time?
Potentially, subject to affordability, purpose, property value and lender criteria. Additional borrowing should be considered alongside the cost and term of the whole mortgage.
Contact Rahul
Would you like to review your current mortgage?
Tell Rahul when your current deal ends and whether you want to change the payment, mortgage term or borrowing amount.
Review my mortgage