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Independent Remortgage Advisors

Our aim is to help you calculate your maximum loan on your remortgage, find you the best remortgage rates available to you and where necessary, help you switch from your current lender. Our brokers have access to the whole market and will find the mortgage products which suit you best.

Independent remortgage experts


A remortgage is where you take out a new mortgage on a property you already own – either to replace your existing mortgage, or to borrow money against your property. 

Our mortgage brokers in Kent have a wealth of knowledge and experience and are experts in providing advice that best suits you.  Whether you are looking to find a more competitive interest rate or free up capital, our expert local mortgage brokers are at hand to advise you. 

Once you get in touch, we will work with you to review your current product. We will calculate how much you could borrow as an addition to your existing mortgage as well as calculating how much alternative lenders could offer you.

​Prospect Tree Mortgages assess the entire market to make sure we get you the best possible terms, we offer quality service, discretion and the ability to work complex lending scenarios.

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Best remortgage rates


Tip: you may be able to secure a remortgage rate up to six months early.

You want a better rate


If you are tied into a fixed rate product then you might have to pay an early repayment charge (2-5% of your outstanding loan) which may not make financial sense.

This doesn’t mean you shouldn’t consider it as the savings can be substantial. It is best for us to calculate whether it is cheaper to change product or stick with your existing product until it comes to an end.

Rating: 5 out of 5.

“It was not an easy re-mortgaging exercise, but Graeme Childs never gave up on us and persevered until he found us the mortgage that we needed”

You worry about interest rates going up


Switch from an interest-only to a repayment mortgage


You shouldn’t actually need to remortgage to do this, your lender should be happy to make the change for you.

You can even change part of the loan to capital repayment and leave some on your interest-only deal, which is particularly useful for anyone with an underperforming endowment mortgage which is expected to result in a shortfall at the end of the term.

Can I borrow more?


Our mortgage advisors will help you with all of the calculations, so you can be confident that you are making the right choices.

A lender will want to know what the additional money you want to borrow is for, most reasons are absolutely fine, but many have an issue with borrowing against your residential property for business purposes.

The most commonly acceptable reasons to raise money are for home improvements and paying off other debts. Just be prepared for your lender to ask for evidence if you are borrowing a large amount, e.g. builder quotes, or proof that you have paid off the debts.

Our mortgage brokers in Kent have a wealth of knowledge and experience and are experts in providing advice that best suits you. Whether you are looking to find a more competitive interest rate or free up capital, our expert local mortgage brokers are at hand to advise you. 

Get in touch today and we will help you calculate how much you can borrow on your remortgage.

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Home » Mortgages » Remortgage

Get in Touch

0800 8620 840

Prospect Tree Mortgages, Acorn Barn, Wembdon Business Park, Smeeth
Ashford, Kent, TN25 6SZ

Opening Hours

Monday
9:00 am – 5:00 pm
Tuesday
9:00 am – 5:00 pm
Wednesday
9:00 am – 5:00 pm
Thursday
9:00 am – 5:00 pm
Friday
9:00 am – 5:00 pm
Saturday
Closed
Sunday
Closed
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