Thinking About Remortgaging?

Here’s My Advice | Venchi Mortgages

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Remortgaging is something I talk about with my clients all the time and with good reason. Whether your current mortgage deal is coming to an end or you simply want to make the most of better rates, a remortgage can be one of the smartest financial moves you make.

At Venchi Mortgages, I help homeowners across the UK review their existing mortgage deals and find options that save money, reduce monthly payments, or release funds for other plans. Here’s what you should know before you remortgage.

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When you first take out a mortgage, you’ll often get a fixed-rate deal for a set number of years typically two, three or five. Once that deal ends, your lender usually moves you onto their standard variable rate (SVR), which is almost always higher. That means your monthly repayments could increase by hundreds of pounds if you don’t take action in time. This is where remortgaging comes in. By switching to a new deal either with your existing lender or a new one you can often lock in a lower rate, reduce your payments, or even borrow additional funds for home improvements, debt consolidation, or other financial goals.

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Why Remortgage?

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Every homeowner’s situation is different, but here are some of the most common reasons my clients remortgage:

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• Their fixed rate is ending soon, and they want to avoid higher SVR payments.

• Interest rates have changed, and there are better deals available.

• They’ve built up equity in their property and now qualify for lower-rate products.

• They want to raise extra funds, perhaps for renovations, a new car, or to help a family member with their first home.

• They’re looking to consolidate debts into one manageable monthly payment.

 

Whatever your reason, it’s always worth reviewing your options a few months before your current deal ends ideally around three to six months in advance. This gives you time to secure a new mortgage offer and switch smoothly, without any lapse in your current rate.

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How I Can Help

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As an independent mortgage adviser at Venchi Mortgages, my job is to make remortgaging simple and stress-free. I compare hundreds of mortgage products from across the market including lenders who don’t deal directly with the public to find the most suitable option for you.

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I’ll look at your current mortgage, your property value, and your goals to make sure any move genuinely benefits you. I also handle the paperwork and communication with lenders, so you can relax knowing everything’s taken care of.

Sometimes the best option is actually staying with your existing lender and that’s fine too. I’ll always give you honest advice, even if it means you don’t switch. My priority is making sure the decision works for you.

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When Is the Right Time to Remortgage?

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Ideally, you should start looking around three to six months before your current deal expires. This gives you enough time to compare rates and get your new mortgage approved before your lender’s standard variable rate kicks in.

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If you’re already on a variable rate or your deal has expired, don’t worry you can still remortgage at any time. It might even save you money straight away.

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A Final Thought

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Remortgaging isn’t just about finding a cheaper rate it’s about making sure your mortgage continues to fit your life. Whether you’re saving money, borrowing more, or just want peace of mind with a fixed rate, the right remortgage can make a real difference to your finances.

If your mortgage deal is ending soon or you simply want to check whether you could be on a better rate, I’d love to help.

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💬 Get in touch with me at Venchi Mortgages today for honest, expert remortgage advice. I’ll review your current deal, compare the latest offers and guide you through every step of the process.

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📞 Contact us: 07577 339249
📧 Email: priyank@venchimortgages.co.uk
🌐 Visit: www.venchimortgages.co.uk