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RemortgagingGuidesRates

Key things need to know about remortgage

Remortgaging is the process of switching your existing mortgage rate with a new one. It involves closing the mortgage rate you currently possess and replacing it with a new and better as per current circumstances.

From reducing monthly mortgage amount by getting better interest rates and acquiring additional funds that can be used for home improvements, there are many reasons why people look for suitable remortgage deals to switch their current mortgage.

While the list of reasons why you should remortgage your property is long, here are some of the major reasons you should know that lead to people seeking remortgage services:

  • Reducing your monthly payments.
  • Stabilising your mortgage payments.
  • Getting competitive interest rates.
  • Making your mortgage more flexible.
  • Remortgaging to pay debt.
  • Making home improvements.
  • Releasing equity.

Finding the right remortgage deal help you reduce monthly mortgage payments by stopping you from Standard Variable Rate.
Check out how much you can save by remortgaging your property with the help of our remortgage calculator. We have seen on average our clients save £200 – 350 on monthly mortgage payments compare to standard variable rates.

There are two major ways in which you can remortgage your property – remortgage with the same lender or remortgage to a new lender.

Borrowers who choose to remortgage with the same lender often do so because the process is very simple. But they may not know if they have the best remortgage deal. As your existing lender already knows you well, the overall process of remortgaging your property becomes easier and faster.

Always speak to mortgage advisor who will advise you if you should remortgage to new lender or go with new lender.

Whether remortgaging is a good idea for you or not depends on a lot of different factors. It is advisable to before you remortgage your property speak to Mortgage broker.

At Marianna Financial Services, we ensure that you do not rush through the process of remortgaging your property and provide personalized assistance to you every step of the way.

Read more Remortgaging guides

Remortgaging Calculator

Calculate monthly payments

Calculate your monthly mortgage payments for both repayment and interest-only mortgages.
Amount of the loan (£):
£50,000.00
Annual interest (%):
5.99
Term (Years):
25
Monthly payment : £321.85
Total payment : £96,553.54
Total interest : £46,553.54
results are indication only and subject to full financial underwriting and satisfactory property valuation.
results are indication only and subject to full financial underwriting and satisfactory property valuation.
View all Calculators

Best Remortgaging Rates

Lender Details
Initial Rate
3.92%
APRC
6.24%
Lender Details
Initial Rate
3.92%
APRC
6.24%
Lender Details
Initial Rate
3.92%
APRC
6.24%
Based on value of £200,000 at 50% LTV
View all Remortgaging rates

Our lenders

We work with over 90 lenders

ACCORD MORTGAGES
BARCLAYS
CLYDESDALE BANK PLC
COVENTRY BUILDING SOCIETY GODIVA
HALIFAX
HSBC
LEEDS BUILDING SOCIETY
METRO BANK
NATIONWIDE BUILDING SOCIETY
NETWEST
SANTANDER
SKIPTON BUILDING SOCIETY
TSB BANK
VIRGIN MONEY

What Our Clients Say

reviewsio
9 Mar' 2026
Professional, Supportive
I had a very positive experience working with Milton. He was professional, supportive, and always ready to help throughout the whole process. Everything was handled clearly and efficiently, and his communication was excellent. I truly appreciate his effort and the quality of service he provided.
Sarfaraz
reviewsio
8 Mar' 2026
5/5 - Amazing Service
5/5 - Amazing service from Nelson, Milton and the whole team at Mariannafs. I had quite a long, complex purchase and Nelson, Milton and the team were always there to help me, answer my questions and guide me through the process and made sure I finally got the mortgage offer in the end. They are incredibly helpful and knowledgable, respond promptly, move the process along quickly and maintain communication all the way through. Furthermore, because they had multiple people working on my case, they were able to do things incredibly quickly and effectively. Wouldn't have been possible without them and cannot thank them enough.
Dugagjin
reviewsio
28 Feb' 2026
Team Was Extremely Hel...
The team was extremely helpful in helping us to get our mortgage in principle and then our proper mortgage offer. All the steps were explained to us and the process was really smooth!
Adam
reviewsio
20 Feb' 2026
In-Depth Knowledge of ...
Milton, has done my renewal from start to finish he has in-depth knowledge of mortgages and understanding of what I needed and he kept me informed about the rates available and given invaluable advises that helped me reduce my intrest rates. I would 100% recored Milton and team. Thank you once again, Milton
Bhagat
reviewsio
12 Feb' 2026
Very Informative and K...
Marianna FS Were very informative and knowledgeable they guided us to a better deal and I would highly recommend them and use there services again.
Stanislaus D
trustpilot
6 Feb' 2026
Experience Was Excellent
This was my first time dealing with MarinnaFS, and the experience was excellent. Mr Milton handled my case and provided a very professional service throughout. He was always proactive, understood my busy schedule, and kept me informed at every stage of the process. Even when I couldn’t follow up due to work commitments, he ensured I was fully updated and supported. I really appreciated his professionalism, reliability, and attention to detail.
Sal Kh ( Trustpilot )

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What documents required to Remortgage?
Remortgaging is the process of switching an existing mortgage deal with a new one at the end of the fixed term. Most people often choose to remortgage their property for better rates. Some people choose to stay with same lender, but some fail to remortgage on time resulting a lot more monthly mortgage payment. Usually remortgage will involve remortgaging with same lender or change the lender. Remortgage with same lender is called product transfer. Which is simple process and required less paperwork compared to remortgage to different lender.
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As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments