Remortgage

Looking to switch your mortgage or release equity from your home? Explore our remortgage options to see how you can save on monthly payments, access better rates, or raise capital for your next move.

Mortgage Type

Remortgage With Capital Raising

Product Transfer Mortgages

WIS Mortgages helps homeowners across the UK remortgage to a better deal — whether you want a lower rate, lower monthly payments, or to release equity from your home. As a whole-of-market broker, we compare deals from a wide panel of lenders and manage the process from start to completion.

What is remortgaging?

Remortgaging means switching your current mortgage to a new deal — either with your existing lender or a new one. Most homeowners remortgage when their fixed or introductory rate ends, to avoid moving onto the lender's higher standard variable rate (SVR). Done at the right time, remortgaging can save you money — but the best option always depends on your circumstances.

Why people remortgage

To get a better rate

Avoid rolling onto an expensive SVR when your current deal ends.

To lower monthly payments

Secure a lower rate or adjust your term to ease your budget.

To release equity

Fund home improvements or other plans through capital raising.

To buy another property

Release equity to put towards another home or investment.

To switch product type

For example, moving between repayment and interest-only.

To consolidate borrowing

Bring borrowing together against your home, subject to advice.

When should you remortgage?

The best time to start is usually 3–6 months before your current deal ends. A mortgage offer is typically valid for up to 6 months, so you can secure a new rate early and switch the day your old deal finishes — avoiding the SVR. WIS Mortgages can review your deal and advise on the right time to act.

Your remortgage options with WIS

Remortgage with Capital Raising →

Release equity from your home for improvements, consolidation, or another property.

Product Transfer Mortgages →

Switch to a new deal with your existing lender — often the quickest route.

The WIS remortgage process

We review your current mortgage and your goals.

We compare deals across our lender panel.

We handle the application and paperwork.

We track your case through to completion.

We keep monitoring the market for your next renewal.

Frequently asked questions

When is the best time to remortgage?

WIS Mortgages recommends starting 3–6 months before your current deal ends, so you can lock in a new rate and switch as soon as your existing deal finishes.

Can I remortgage to release equity to buy another property?

Yes — WIS Mortgages can arrange a capital-raising remortgage that releases equity from your current home to put towards another property, subject to affordability and lender criteria.

Can I remortgage with my current lender?

Often yes — this is called a product transfer, and it can be the fastest option. WIS Mortgages compares it against whole-of-market deals to make sure it is genuinely the best choice for you.

Can I remortgage with bad credit?

In many cases, yes. WIS Mortgages works with specialist lenders who consider applicants with adverse credit.

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