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Remortgaging is where you take out a new mortgage on a property you already own to replace your existing mortgage or borrow money against your property value. There are many reasons people choose to remortgage, but one of the most popular scenarios is to remortgage to find a better interest rate and save money.
A mortgage is a massive financial commitment that should be planned and thought out before rushing into anything.This is why we suggest looking at your options to try to get the most suitable deal on products and services nice and early. Who wouldn’t want to save money off your mortgage payments?
The good news is that we will do the shopping around for you by searching through thousands of remortgage deals to find you the most suitable deal with better interest rates. Our remortgage advisors in Sunderland are experts in the industry and we know exactly where we can access these competitive deals.
The remortgage process can sometimes be complicated, and that’s why we always recommended that seeking expert advice from a mortgage broker in Sunderland is the first step in the process. We are known for our open and honest mortgage advice in Sunderland. Let us help guide you through the entire remortgage process and try and save you time and money.
Before you begin your remortgage process, it’s worth watching Malcolm’s guide to remortgaging video. This will help you get a better understanding of what happens during the remortgage process.
Most homeowners are on a fixed-rate mortgage for a fixed-term which usually lasts 3-5 years. When this fixed-term ends, you will need to find another product to switch over to, otherwise you will move onto your mortgage lender’s standard variable rate of interest (SVR). This SVR is likely higher than your current rate, and that is why it can be better to remortgage to find a new, competitive rate.
Looking for a new mortgage product can often help you save money; it’s easy to do too! We recommend seeking help from a mortgage broker in Sunderland so that you can find the most suitable deal for your personal and financial situation. If you are unable to find a better rate, we will be open and honest with you and recommend that you renew your product.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
During your remortgage review, your mortgage advisor in Sunderland will look at your current mortgage product and discuss your current mortgage situation.
Once your advisor has this information, they will be able to begin searching for the perfect remortgage product for you.
We have 1000s of remortgage deals available to search through. On panel, we have both high street and specialist lenders that we can access as a mortgage broker in Sunderland.
Before recommending you with a remortgage product, we will make sure that you fit the product criteria and that the deal will only benefit you.
If you are happy to remortgage with our recommended product, we will begin your remortgage application process. You will need to provide us with your evidential documents to support your income, expenditures and mortgage affordability at this point in the process.
Your dedicated case manager will always keep you in the loop, updating you on the progress of your mortgage application. All that is left is to wait for your full mortgage approval!
Once you are approved, you are ready to switch to your new mortgage product. You will begin paying your new rate as soon as your current fixed-term ends.
We always want to make sure that you are on the most suitable deal available, therefore, when you come to the end of your fixed-term on your new mortgage product, we will be back in touch to help you with your next remortgage.
We offer all our customers a free remortgage consultation. We understand today’s busy lifestyles. That is why our free remortgage consultations with your mortgage advisor in Sunderland are available 7 days a week.
Our mortgage advisors in Sunderland have a wealth of knowledge when it comes to helping customers remortgage. Whether you are looking to release equity or secure a better rate, we are ready to help you find the most suitable remortgage deal.
Always remember that as a mortgage broker in Sunderland, we are here to help you. Friendly, helpful and patient, whatever questions you may have about your remortgage will be answered by our expert team.
We want you to feel happy and relaxed throughout the whole process. Check out our customer reviews to see what others have said about our fantastic customer service!
Contact us today to book your free remortgage consultation in Sunderland & see how we can get the ball rolling.
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Sunderlandmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Sunderlandmoneyman 2009–2026
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Sunderlandmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Sunderlandmoneyman 2009–2026
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