There are many reasons to think about remortgaging. Not only could remortgaging reduce your monthly outgoings, it could alternatively help you pay off your mortgage more quickly in one of two ways. You could either reduce your monthly payment by remortgaging to a lower rate, freeing up cash to make overpayments, or alternatively increase your monthly payment and take your mortgage over a shorter term

Because your circumstances are unlikely to stay the same throughout the term of your mortgage, the mortgage you originally took out may no longer be the most suitable one for you. Remortgaging could bring your mortgage deal in line with your current needs and circumstances.

There are a number of ways your circumstances may have changed, including getting married, starting a family or starting a new job. If any of these apply, you should speak to someone about the potential rewards of remortgaging.

However, it isn’t only your circumstances that change; it is also the products available. If you remortgage, you may be able to take advantage of a deal that was not available when you originally purchased your property.

Because there are always new products available, regularly reviewing your mortgage deal could result in significant savings by remortgaging to a different lender.


You may have to pay an early repayment charge to your existing lender if you remortgage. 

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice.  The actual amount will depend on your circumstances.  The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

Why Us?

We differentiate ourselves from our competitors by offering a fully transparent and complete service to all our clients. This is achieved in several ways.

Our business is built on trusted, long-term relationships with our clients and referrals from our many happy customers. Here’s what they have to say.

We will meet you on a face to face, no obligation basis and obtain a thorough understanding of your circumstances and needs.

We will provide you with a full and transparent breakdown of our services so you can decide if you want to conduct business with us.

You will have a single point of contact to guide you through the mortgage application process from initial enquiry to completion.

We will liaise with other associated parties (i.e. conveyancers, estate agents etc) providing you with timely updates, removing unnecessary hassles at this stressful time.

Once the mortgage has completed we will conduct regular reviews with you to see if there have been any changes in your circumstances which may require our assistance.


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Swift Tailored Solutions Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

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