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If you already have a mortgage on your home, you could be considering a remortgage to get a better deal than you currently have.

There are a number of reasons that people look to remortgage their properties. Understanding why you want to remortgage is important before you go ahead and sign on the dotted line. The reason that you want to go ahead will affect the remortgage deals on the market that could appeal to you. Below, you’ll find the common reasons people chose to remortgage:

Getting a Better Rate

Thinking about getting a better rate? An alternative mortgage deal could have a positive impact on your outgoings each month, which could make life easier for you. If you’re on a fixed rate mortgage at the moment, we will search through the top 70 lenders saving you the hassle of shopping around for the best deal possible. 1st Mortgage Services source mortgages from the top 70 lenders across the marketplace, matching the best possible deals to your remortgaging needs. Always ensure that you do the sums so you get the most suitable rate for your needs/plans.


Consolidating Debts

One of the main reasons people choose to remortgage is that they have multiple debts that they want to get on top of. It can be very tempting to get the funds and use your home as security. It’s always a good idea to rethink whether you want to use your home when you borrow further, because it’s going to be at risk if you fail to keep up with the repayments.

By contacting 1st Mortgage Services, we will compile a detailed report to indicate whether it is financially beneficial for you to add a debt, or not – ensuring that you do not pay more interest over the term of your mortgage, unless you prefer to take on short-term lower payments to help your monthly disposable income now.

Change in Finance

We live in a troublesome economic climate. When things are going wrong with your finances, it could take extra borrowing to get you back on track. A remortgage could be the best option and shopping around for some of the best deals on the market gives you more scope for choice. 1st Mortgage Services specialises in finding those deals, making sure you get the best option for your circumstances.

Home Improvements

If you want to extend your home or do some much-needed renovations, then a remortgage to raise the finance to pay for the work could be the best option for you. It’s sensible, because you’re going to be reinvesting your money into your home, where you plan to live for a little longer, it also can potentially add value to your property too.

What our clients say

Customer service is everything for 1st Mortgage Services – selecting a mortgage lender and knowing which is the right product for you can be a complex and time-consuming exercise. Julie and her team make this easy – they offer sound, reliable and friendly advice, taking the headache out of this important life decision. The team carry out their work over the phone, via email and by post – plus home visits, at times to suit the client, are also on offer. They offer a wealth of experience in the mortgage industry – their knowledge and expertise plus their openness and ability to convey understanding of the product, is very reassuring

Purchaser 2018, Northallerton


Given my experience, I feel that the company/individual operate in such a way that treating customers fairly is central to their culture. Julie was always on hand to answer my queries and advise me of the best way forward and sorting everything out for me, as I needed it, to a tight timescale. I could not have asked for a better service.

Purchaser 2018, Whitby


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Fees Disclaimer

We charge a combination of an initial fee of £250 on application and retain the commission received from the lender. Think carefully before securing other debts against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.