Renovating in Billericay or Wickford? A remortgage can release funds at sensible rates—if you time it right and balance fees vs pricing. We’ll compare further advance with your current lender against a full remortgage with others.
Start with a chat on our Contacts page; browse our Mortgages service; add peace of mind on Protection.
Your decision tree
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Further advance: simple, stays with current lender; rate may be higher than new-customer deals.
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Full remortgage: potentially sharper pricing; factor product fees, valuation and legal timelines.
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ERCs – Early Repayment Charges: we’ll check early repayment charges so you don’t pay unnecessary exit costs.
How we package it
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Confirm project budget and completion timing.
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Model repayments with/without fees, over different terms.
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Align application with your builder schedule to avoid delays.
Quick tips
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Gather planning/build quotes; lenders like detail.
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Consider income protection during works—especially if downtime affects earnings (see Protection).
