Online help and advice from the Ladder team

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  2. Mortgage Repayment Types
  3. Remortgaging
Remortgaging

A remortgage is basically arranging a new mortgage deal on a property that you already own.

The ideal time to remortgage is when your current introductory period expires. If you do not remortgage at this time, your mortgage will revert onto the Lender’s Standard Variable Rate (SVR), which is usually much higher. The main reasons to remortgage are to secure a better rate or to release money from the property.

Ladder will always check not only the best remortgage deals across the market, but also any rate-switch deals available with your current Lender. This will give you the peace of mind knowing that you’ve got the best deal available to you.

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Related articles:
  • Repayment mortgages
  • Interest only mortgages
  • Paying off an Interest Only mortgage
  • Part Repayment and Part Interest-only mortgages
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Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.

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