Raising capital through remortgaging could allow you to access funds tied up in your property.
Our mortgage advisors provide clear, impartial guidance to help you understand whether remortgaging to raise capital is suitable for your circumstances.
Remortgaging usually means replacing your existing mortgage with a new one, either with your current lender or a new one. In some cases, homeowners choose to increase the mortgage amount so they can release some of the equity they have built up in their property.
Equity is the difference between your property’s value and the amount still owed on your mortgage. As you repay your mortgage or if your property increases in value, the equity you hold may grow over time.
A capital raising remortgage can provide a lump sum that may be used for a variety of purposes, depending on lender criteria and affordability.
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Discuss your remortgage in the way that suits you: in person, on the phone or via video call — the choice is yours.
Meet us in person at one of our branches or chat to us via video call — whatever works best for you. All appointments are with our friendly and experienced mortgage experts.
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How we’ll make remortgaging to raise capital work for you
If you’re moving your mortgage to borrow additional funds with another lender (or a new deal with the same lender) here are the steps involved.
Unlike online comparison sites, we don’t believe that ‘one size fits all’ when it comes to mortgages. We take the time to understand the full picture – both your current circumstances and what you want to achieve – before recommending any products.
We’ll compare more than 12,000 products (including fixed, tracker and discounted deals) in our search for your next mortgage. We’ll then apply our professional judgement to identify the options that suit you.
We’ll talk you through the options, explain all the small print and clearly set out the pros and cons of each product. That way, you can make an informed and confident choice.
Once you’ve made a decision, we’ll help you take care of all the paperwork and ensure your application progresses smoothly. Your personal advisor will keep you up to date and answer any questions along the way. You can be certain we’ll always be easy to reach.
Your mortgage journey doesn’t end on completion day. We’ll monitor your mortgage and be in touch when it's time to renew again or if any better deals become available. We can also help protect your home and family with tailored protection advice.
And remember – our advice is fee-free forever.
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Need to get a feel for how much you might pay? Use our calculator, then get in touch for a detailed chat.
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