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info@rb-financial.com

19a London Road, Colchester, CO3 0NH

 

Remortgage

Expert remortgaging advisors

At RB Financial, we’ve been helping homeowners and landlords across Colchester find the right remortgaging deals, taking the stress out of an already complex process. Whether your current mortgage is ending, you’re looking to unlock better terms, or releasing equity from your property, we provide expert, tailored advice to help you take control of your mortgage. 

Uk House

Our remortgaging process.

We understand how complex and stressful remortgaging your property in Colchester can be, which is why our service is designed to be seamless and straightforward.

Our remortgaging service includes:

  • Free initial consultation: We spend time with you to understand your goals and timeline
  • Review of comprehensive range of lenders across the market: We search over 65 lenders across the market and have access to the broker-exclusive deals, which you may not get if you go directly to the lenders.
  • Clear recommendations: We provide guidance based on your personal circumstances
  • Application management: We handle the paperwork and communication with the lender on your behalf.
  • Proactive support: We keep everything on track so you don’t miss your mortgage deal window

Whether your fixed-rate period is ending, you want to review your mortgage, or you’re planning home improvements, we’ll help you choose the right path

Testimonials

  • “I cannot recommend RB Financial enough. Rishi is so approachable and nothing is too much. He really goes above and beyond. There is no stupid questions and he is always there on hand. He is very knowledgeable and really does take some of the stress out of moving! This is my second time using Rishi’s services, I definitely won’t be going anywhere else. 10/10 communication.”

    Dielle Milles

  • “Rishi and the team have been so helpful throughout the whole process of advising on our new mortgage. They answered all our questions so quickly and I would not hesitate to recommend them for any financial advice that you need”.

    William Hunt

  • "A professional and friendly service. Rishi will always find a solution no matter how impossible it seems. Would highly recommend!"

    A McPhail

  • "I have received excellent service and support from day one. I felt that I could ask any questions without hesitation. Follow up to emails and phone calls was always immediate and I couldn't have asked for a more caring and efficient service. Highly recommended"

    V Brant

Who can benefit from remortgaging?

Remortgaging isn’t only for those at the end of a fixed-rate mortgage, it can benefit a wide range of Colchester homeowners and landlords. From reviewing your mortgage rates, releasing equity for home improvements, consolidating other debts, or simply finding a more suitable mortgage option, remortgaging can be a smart financial move. Even if your circumstances have changed, such as income, employment, or property value, a new mortgage deal could work better for you. 

You may have to pay an early repayment charge to your existing lender if you remortgage.

Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.

The FCA does not regulate some forms of buy-to-let mortgages.

 

Why Choose RB Financial

At RB Financial, we’ve been offering Colchester homeowners expert mortgage and insurance advice since 2016. We believe in being fully transparent and strive to keep things simple with zero jargon to ensure your remortgage is as seamless and stress-free.

Mortgage Services

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First-hand knowledge of the Buy to Let market

Frequently Asked Questions

When should I start the remortgage process?

We recommend starting 3 - 6 months before your current mortgage deal ends to avoid moving onto your lender’s higher standard variable rate (SVR).

Can I remortgage early?

You can remortgage before your fixed-rate period ends; however, it is best to speak to our team first, as doing so may result in early repayment charges. We'll advise whether remortgaging early would be beneficial for your circumstances.

How long does the process take?

This depends on your lender and the legal work that's involved in the process. Typically, remortgaging can take between 4 - 8 weeks. We'll make sure you’re kept informed at every step and updated promptly if there are any delays.

Can I borrow more when I remortgage?

You may potentially be able to borrow more when you remortgage, which can be particularly useful for releasing equity for renovations and debt consolidation. We'll discuss your goals and assess what’s affordable for you.