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Remortgage Services

Remortgaging involves taking out a new mortgage on a property that you already own. While it is possible to renew your current mortgage when it expires, it’s worth shopping around for a better deal from a new mortgage lender. If you are looking for friendly advice on remortgage deals, Bliss Financial is here to help.

Bliss Financial Solutions provides independent remortgage advice

There are lots of reasons for remortgaging, but the most common is coming to the end of your current mortgage deal. Or, perhaps, you are concerned about unpredictable interest rates and looking to move from a variable rate to a fixed-rate deal.

Maybe you want to reduce your monthly outgoings, release money from your property for home improvements or help a loved one take their first steps on the property ladder.

Whatever your reason for remortgaging, the mortgage experts at Bliss Financial Solutions could save you time, stress and money. Our friendly mortgage advisers offer honest and impartial advice and can help make switching simple. We’re not tied to any lenders, so our only goal is to find you the best remortgage deals available.

We start the remortgage process with a sit down and a cuppa to thoroughly review your circumstances. We’ll get to grips with things like your existing mortgage balance, your credit score, the value of your home and your goals. Then we are armed with the information we need to find the right deal for you.

Contact mortgage experts at Bliss today to discuss your remortgaging options.

Can you remortgage early?

The most common reason to remortgage is when your fixed-rate set period comes to an end. However, it is possible to remortgage before your deal expires, taking into consideration any fees your lender may impose for exiting the deal early.

Here are a few reasons you might consider remortgaging before your current deal expires.

  • You want to consolidate debt: Some homeowners choose to remortgage to consolidate high-interest debts, such as credit cards or personal loans, into their mortgage to lower overall interest costs.
  • You wish to release equity: Homeowners may remortgage to release equity from their property fund things like home improvements, investments or holidays. Similarly, to raise more money, you may want to explore additional borrowing when you remortgage.
  • You want to change your mortgage type: For example, switching from a variable-rate mortgage to a fixed-rate mortgage is a priority for many homeowners, given the current market instability.
  • You want to pay off your mortgage early: If retirement is in your near future, you may wish to find a new deal that allows you to pay off your mortgage earlier.
  • Your personal circumstances have changed: Life events such as marriage, divorce, or the birth of a child may prompt homeowners to remortgage to a deal that better suits their new circumstances.
  • You simply want to save money: There are thousands of mortgage products on the market so it stands to reason that there is a better rate or better terms to be found. However, early repayment charges may outweigh the savings, so always check the terms of your current deal before deciding to move your mortgage.

How long does a remortgage take with Bliss Financial Solutions?

It’s advisable to start your remortgage application up to six months in advance of your current mortgage deal coming to an end, to avoid falling onto your lender’s SVR.

The actual mortgage application process usually takes six to 12 weeks from start to finish. Sometimes this can be quicker depending on any necessary legal work.

At Bliss, we pride ourselves on our quality service, and we will keep you informed every step of the way and always be on hand to answer your questions.

Can you renew your current mortgage deal?

When your mortgage term comes to an end, typically at the end of a three or five-year period, you can choose to renew your deal with your current lender or shop around for a different lender with more favourable terms.

If you take no action when your current mortgage deal ends, then you will be placed on your lender’s Standard Variable Rate. These rates are typically high, and they fluctuate based on market conditions, which makes it challenging to predict and budget for future mortgage payments.

So if you are coming to the end of your term, do not delay. At Bliss Financial, we advise starting the remortgage process at least six months in advance of the expiry date of your current deal.

Should you find a new mortgage lender at the end of a fixed term?

For most of us, our mortgage is the biggest investment we will ever make. Like any large financial commitment, it pays to look at different providers when your deal is up, as there’s every chance you could find a better deal and save money.

At Bliss, we always recommend taking a look at the market before you commit to renewing your current deal. We can research hundreds of lenders and mortgage deals on your behalf and carry out the mortgage application, so you have nothing to lose by shopping around!

Can I remortgage to buy another property?

If you remortgage to purchase another property, you are essentially borrowing money against the equity that you have built up in your existing property. This means that your mortgage deal will still be secured by your current property, but the funds you receive through the remortgage will be used to buy the new property.

How much you could borrow depends on how much your home is currently worth. Remortgaging can be helpful because the fixed-rate deals you qualify for may be less expensive than if you were to get a new mortgage to buy another property.

Can I release equity when remortgaging?

It’s possible to release equity when you remortgage, to free up cash for home improvements, pay off other debts, give a lump sum to a family member, get married or take a holiday.

If you are considering releasing equity, it’s wise to seek the advice of an independent mortgage adviser like Bliss Financial. We start with a thorough examination of your circumstances to see what is possible before using our mortgage calculators to determine your borrowing power.

Frequently asked questions about remortgaging

How easy is it to remortgage with the same lender?

Renewing your mortgage with the same lender is usually straightforward, as the process typically involves less paperwork and hassle compared to remortgaging to a new provider. You usually avoid affordability checks and house valuations, potentially speeding things up.

However, sticking with the same lender might not guarantee the best interest rate, potentially costing you money in the long run.

Does credit rating affect remortgaging?

Your credit score influences your ability to remortgage and the deals offered by different lenders, impacting your mortgage interest rates and repayments. If you’re concerned about your credit score when remortgaging, Bliss Financial is here to assist.

Specialist lenders, regulated by the Financial Conduct Authority, may consider your credit score and offer tailored deals. These lenders also factor in your loan-to-value ratio, reflecting your property value against the mortgage amount needed. This ensures you get a remortgage deal suited to your circumstances.

What is a product transfer?

A product transfer is essentially switching to a new mortgage deal with your existing lender, allowing you to benefit from potentially lower interest rates without the hassle of remortgaging to a different provider. Unlike remortgaging, product transfers typically involve simpler processes and lower fees, as you’re staying with the same lender and not changing the loan amount.

Free Mortgage Advice

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Why choose Bliss Financial Solutions?

Tired of high mortgage payments? Bliss Financial can help you explore the market to find a remortgage deal to save you money and meet your long-term goals. We’re FCA-regulated, so you know you’re in safe hands.

We will analyse your current deal (including sneaky fees!) and find the perfect fit for your needs. Our aim is to make remortgaging a stress-free process. You can sit back and relax knowing we’ll keep you informed, be there to answer your questions and handle all of the paperwork.

As well as being remortgage experts, we can help with all sorts of mortgages, such as first-time buyershome moversbad credit and buy-to-let.

Ready to seek out a competitive remortgage deal and save money? Contact Bliss Financial Solutions today.

Our Mortgage & Protection Services

Reviews

Selected from a number online because they stated that they have experience working with people from the military. This was essential given how moving on assignment often can be a negative for many banks when it comes to lending. Amanda was excellent and the process was swift and easy. We had planned to visit face to face but the process was just as high quality over zoom and phone.
Richard S.
1719241519
Amanda is great, everything was explained clearly and always responsive to queries, would highly recommend.
Pavitar P.
1715942557
This is my second time remortgaging through Bliss and Amanda. The service provided has made my life stress free and Amanda was thorough with her research into what deal and term would be best for me based on economic uncertainty and where I am atthis point of my life.I'd not use any other mortgage broker ✨
Harriet L.
1714555801
Amanda was extremely knowledgeable and helpful from minute one. I am very grateful to her for diligently working within a fairly tight timeframe to identify and provide me with the right product.Her communication throughout was prompt and well-received. I look forward to using her services again.
James D.
1712577010
Excellent service. Fully deserving of 5 stars. Nothing to fault. Great communication and everything went through in time with no issues. Would highly recommend Amanda Marsden.
Luke H.
1711355993
Amanda was absolutely brilliant from start to finish. She helped us secure our forever home mortgageWould 100% recommend for anyone needing financial services of any kind!
James B.
1707399328
Absolutely perfect service from start to finish, no stress, no hassle can’t recommend enough. Thankyou
sarah W.
1707382538
We have used Amanda for many years. She knows exactly what she is talking about and offers the best advice. I cant recommend Amanda enough if you're thinking of getting a mortgage or going through a Re-Mortgage. She reassured us throughout the whole process and was in touch every step of the way. Thank you Amanda, here's to many more years.
David J.
1706516356
Amanda was amazingly helpful and made the whole process hassle free. Even when I changed my mind a few times nothing was a problem and the end result was exactly what I was looking for. I would highly recommend Amanda and the team
Atha D.
1705414093
We used Amanda a few years ago for our first mortgage. She was an absolute hero for us. She sat us down and explained everything thoroughly putting all out worries at ease as first time buyers. We had issues with our chain which meant our mortgage offer lapsed and Amanda was there every step of the way right through to the day we moved in. Due to remortgage in the next year or so and I will always go back to Amanda.
Anya K.
1705410372
Once again very helpful and prompt in helping us with remortgaging our property, highly recommended
Natasha G.
1704962573
Bliss WILL get you the best mortgage solution possible. The best mortgage broker around!!
michaela M.
1704403292
Amanda was absolutely brilliant from start to finish. She helped me secure my first mortgage and also helped with organising the best deals on life and home insurance for my house. Would 100% recommend for anyone needing financial services of any kind!
Nathan C.
1702901651
We specifically selected Bliss as financial advisors for our mortgage, as we'd read great reviews from other first time buyers. Amanda was so welcoming and helpful, introducing us to the whole process. We actually went to her thinking we were fish out of water, and wanting to but not expecting to but for a few years, just wanting to get our heads around it. However everything felt easy, quick and well explained and we were accepted for a within approx 2 months of starting our search. Amanda has been amazing throughout the entire process - even personalising the way she presented documents to us to suit our styles (me, needing to talk everything out and my partner more graphs and charts!). Evening appointments were organised to work around our work schedules. She was in constant communication with all stakeholders, chasing things up for us and since moving, also supporting with insurances. I'd highly recommend Bliss, and specifically Amanda for any financial advisory services however particularly first time buyers, as no question feels like a silly question. For future purchases, selling, and any other financial services - we will definitely return to Bliss.
Amber B.
1700778474
Great service. Professional, friendly and efficient. Amanda did a great job in advising me and then finding and securing the best mortgage to suit my situation
Ed T.
1693852746
Absolutely amazing service, couldn't have received any better. Very friendly and quick at replying to all enquiries. Very understanding of our circumstances which were difficult but still got us everything we needed for our new house. Thank you again Amanda, will be recommended you to everyone who needs a mortgage broker ☺️
Stacey G.
1693568255
Amanda helped us to secure our first mortgage. She was on hand for support all the way through the process and very helpful in explaining things in a more simple way to help us to understand. She kept in contact with us regularly throughout the process and really made us feel at ease. We cannot thank Amanda enough for her support and help.
Annise M.
1693395944
I came across Bliss financial solutions by google search when desperately trying to find a mortgage advisor who could do the impossible (secure a DiP quickly, that met my difficult short term self employment circumstances).Amanda from Bliss has been a pleasure to work with. The perfect balance of professional and friendly, incredibly organised and certainly not deterred by a challenge. I’m really grateful for the time and effort she put into my case to allow me to secure the house I wanted within the mandated timeframe. Thank you so much Amanda and Bliss for allowing us to get our new home 💜
heather U.
1690804558
I just want to say how amazing Amanda at Bliss financial is!!. My partner and I were looking at buying a shared ownership prooerty and everything started happening very quickly ... but Amanda just took over from the start and literally kept me at ease the whole way . Herprofessionalism throughout was second to none and helped with every aspect of the process. Thanks to Amanda we now have the most beautiful home and we will be forever grateful for everything she has done for us. I would 100% recommend Bliss Financial.
charlotte C.
1688067705
Excellent service. Amanda really took the stress out of remortgaging for us. Highly recommended
Amy G.
1685705446
Switching mortgages has always been a frustrating and time consuming experience but using Bliss made the process seamless and most importantly stress free! They were excellent and I would highly recommend their services.
Neil G.
1685702436
Amanda has been totally invaluable through our first home buying journey. Always on hand to answer the hundreds of questions with her excellent knowledge and guidance.I would absolutely recommend Bliss Financial Services.
Matt D.
1680857625
We have been in our new house for nearly 2 months now all thanks to Bliss Financial Solutions, Amy was amazing sorting our new mortgage out and talking us through everything we needed to know. Very smooth process with good communications. Thank you very much. 🙂
Donna G.
1679681542
Exceptional customer service, professionalism and market knowledge.
George R.
1677842342
Really excellent & supportive service from start to finish throughout mortgage process, from initial enquiry through to successful completion, friendly, knowledgeable and always happy to take time to answer any questions - great organisation.
Nella F.
1676471297
Brilliant lady Amanda, always positive knowledgeable and helpful. Have no doubts in recommending her and Bliss Financial Solutions
Jeff W.
1673889689
Very prompt and professional team. Helped us out no end! Highly recommended
Wayne C.
1672850939
I would like to thank Bliss Financial Solutions for amazing, professional and swift responses during the process of my first home purchase.It has been an absolute pleasure each time I have met you and will 100% have no hesitation for contacting you again for future requirements and highly recommending you.
Paul K.
1671467114
We have recently used Amy at Bliss to help us get a mortgage. After having a stressful time at high street banks and other mortgage brokers, we contacted Amy for help. Amy was absolutely excellent and the work she does is outstanding. Amy went above and beyond and managed to find us a mortgage in a matter of days. Throughout the whole process Amy kept us up to date and managed the mortgage application seamlessly despite a stressful time with other companies. I would like to express my many thanks to Amy and the team at Bliss for being so excellent and thanks to them we now have the keys to our new home.
Alicia
1671011325
My experience with Bliss Financial was excellent, everyone went above and beyond. Provided the best advice and more. Our mortgage was sort with out any stress. I will continue recommending to friends a family looking for mortgage advice.
emma W.
1670342174
First class customer service, highly recommend Bliss Financial Solutions LTD to anyone that values a professional, efficient and personal approach. Being first time buyer my partner and I had very limited knowledge around mortgages and all things connected. Amanda and her team went above and beyond to ensure we understood everything and provided advice when we had any questions with immediate response. Bliss financial limited we thank-you kindly for making the whole mortgage process so easy, you took all the strain off us especially need due to the birth of our daughter 3 weeks ago you made the mortgage process easy and hassle free. I will definitely be a customer for life and if there is anyway I can share your company’s profile on social media please let me know as I would love to recommend your service to others.Many thanks Melissa Hodgson, Andrew and Eloise - three very happy customers 😊
Melissa H.
1670009039
Amy and the team were absolutely amazing! Nothing was too big. We didn't really know much about the process and Amy explained everything so we fully understood! We couldn't have done it without the team 100% would recommend to anyone! Thank you all so much ❤️
Rebekah F.
1669569495
We used Bliss to re morgage our property. Amy was absolutely fantastic, made everything feel really easy, she was clear in all her explanations, open and honest with setting expectations, and really knowledgeable. The whole process was really smooth. We also discussed life insurance which was something of a priority giving we had just had a little boy recently. Amazing service. Would highly recommend. We will definitely be using again for any future mortgage or insurance needs.
Lauren A.
1668630784
Excellent service, they really came to the rescue after being messed about by our current lender, amazing absolutely amazing. Just wish we went to them sooner would have saved a big headache 😃
Michael C.
1668083105
Efficient and friendly. The team helped source the most appropriate mortgage for us at a very busy and pressured time for interest rates and timeframes. They were very helpful in expediting the completion when our solicitors were holding up proceedings. The little gift afterwards was much appreciated also. Would recommend.
Kirsty T.
1667838229
Bliss Financials was a vital part of my journey to home ownership in the UK. They always gave personalized yet professional advice and were always accessible and responsive all through the process. They were very thorough, transparent and client centered; offered and discussed all the available options to enable me make an informed choice. I would totally and wholeheartedly recommend their services and I am very grateful to Amy who handled most of the process as well as Amanda and Sophie. Great team/firm!
Nwosa C.
1667564382
I would like to praise the excellent service of the Bliss Financial Solutions LTD.I have a brilliant experience with this company. I was buying a house for the first time and Bliss Financial advised me on every step of the process (mortgage, insurance), offering me suitable options that I could choose from. I always got great offers and still was in control.All members of the team (Amy, Sophie, Amanda) are brilliant, very professional, friendly and responsive.I am very grateful to Amy (my consultant) as she did help me very much throughout the process, nothing was a problem,I received responses straight away and she also prompted other parties to act swiftly (lender, insurance companies, solicitor, etc.).If I need mortgage or insurance in future, I will definitely ask Bliss Financial for help again.
Michal P.
1667551722
I am now on my second mortgage which was arranged using Bliss. What an outstanding service. From start to finish the Bliss team were great in answering queries that I had. They even pushed to get me an extension to my offer seeing me secure a great rate before the recent rises. This certainly helped me secure my dream home. I would recommend Bliss to anyone who is after a professional and personable mortgage advisor.
Dean
1667510141
Amanda worked extremely hard and was really efficient is securing a fixed deal for me at a time when rates were being removed across the board. I would recommend them to anyone.
Andrew M.
1667468174
Excellent from start to finish. Every decision and option were made clear to us about the implications and any questions we had were answered in a timely manner, making remortgaging easier than I imagined it would be. Thank you to Bliss Financial Solutions for excellent service and attention to personal details that really made us feel like our priorities were put first. We will use again at our next remortgage and would recommend to anyone.
Melissa B.
1667381063
Excellent company, fast and responsive and a professional outfitI appreciate Amy’s swift advice on a deal to secure a good rate 12hrs before the rate changed
Adam L.
1667320388
What a fantastic service. I contacted Amanda via a friend recommendation. She was friendly and helpful. She passed me to Amy who was my advisor for the whole process.As a first time buyer, I was like a rabbit in the headlights. But Amy reassured me and made the whole thing a breeze, with regular contact and updates along the way.Thank you to you all.Highly recommend 😁See you when it's time to remortgage 😉
Steven R.
1666698830
We have used Bliss/Amanda for a number of mortgages now and the service has always been second to none!We have had complicated financial situations that the Bliss team have used their extensive knowledge to support and ensure we receive the best product for us.We always recommend Bliss to all our friends and family!Thank you to Amanda, Amy and Sophie
Samantha B.
1665563361
The staff are amazing and very helpful throughout the whole process, the rates are very competitive and the after sales service is second to none, I would highly recommend Bliss Financial to anyone.MarkAspire Property Rentals
Mark L.
1665401285
Any Lyons found us an excellent mortgage deal and then helped us through a long complex legal process regarding the house. She was there for us all the way through keeping us informed and chasing up when there were delays, Thank you Amy and her team.
Ken W.
1665142125
Amy has been amazing from the start of our process as first time buyers until completion. We had a few delays along the way due to waiting on a new build but Any was there to guide us through every step of the way to help us rearrange another mortgage and kept us regularly updated on the process. I have already recommended her to friends and family and wouldn’t hesitate to use her again when we remortgage.
Melissa N.
1665048918
Really happy with the service from Amy and Bliss Financial Solutions - Amy made sure everything was as straight forward as possible, was super communicative and really easy to deal with. Would not hesitate to recommend them.
Rachael G.
1664269233
Amanda was very helpful. Gave advice over a number of options for my situation. Many other companies didn't even bother calling me back. Will definitely go back to Bliss again in the future.
Lesley C.
1663770944
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