Remortgages

For you homeowners looking to review your existing mortgage. Make sure you never pay more than you have to & get a review of your mortgage today

What is a remortgage & why do it?

A remortgage is staying in your existing home but switching to a new product, or a new lender. A remortgage helps you avoid your existing lenders Standard Variable Rate (SVR) which you automatically go onto when your existing rate period expires. The SVR is often much higher than the rate you’re currently on & your payments often jump up significantly… so inaction can be expensive!

Remortgaging is one of the most ignored & unnoticed areas of personal finance. For most households, your mortgage is your largest debt & your single biggest monthly outgoing. When considering our expenses, our mortgage is usually at the top of the list… but when it’s time to renew, many people forget this. Ignoring your mortgage renewal can be costly.

Make sure you never pay more than you have to and get a review of your mortgage today.

How We Help:

Our advisors can look at the full picture & help you understand what any changes would mean for you, how they would affect your monthly & overall payments, & how they would help you move towards your goals.

A remortgage is an important financial decision & it should be treated as one. Seeking professional advice makes sure you make a well-informed decision with ALL of the information you need to make the most appropriate choice for you.

A Mortgage Review is the right thing to do

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When should you start considering your options?

It's advisable to get in touch 6 months in advance of your current mortgage deal expiring... Mortgage offers generally last for 6 months, so it's better to get started early to secure a rate, knowing that if something better becomes available before you complete, we'll be monitoring it for you

The most common reasons to remortgage are:

Your existing interest rate is coming/has come to an end
You’re on a variable rate that’s increasing
You want to raise some extra funds for a defined purpose

BUT DON’T FORGET, when remortgaging, you can also do other things like adding/removing someone to or from the mortgage, reduce/increase your mortgage term, or change to a more flexible arrangements.

PRODUCT TRANSFER VS REMORTGAGE – What’s the difference?

Product Transfer – staying with your existing lender, but changing on to a new mortgage product

Remortgage – changing to a new lender

A product transfer is often seen as the “easy” option, but it’s not always the best option. Don’t make the mistake of only considering your existing lenders deals. Competition in the mortgage market is a huge benefit for consumers in the UK as mortgage lenders battle to win your business by competing on rates.

We help you assess all of your options, talk through them with you, & give you the peace of mind knowing you’re fully informed.

Never miss a renewal again – work with us on this remortgage & we’ll stay in touch from the first day you contact us to the very last day of your mortgage term.

Because with us, it’s not a transaction… its mortgage advice, for life!

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"We were given first-class advice on the current mortgage minefield as to what we do next with our re-mortgage. My wife and I felt reassured and confident that we were making the right decision moving forward" David, 30/05/2022

"Dec helped us with our remortgage and made it a painless experience. Everything was done over the phone and email which suited us as we are both self-employed and find it hard to take time out for meetings. He was always really quick to respond to any queries we had, even out of hours. I wouldn’t hesitate to recommend him to anyone" Claire, 23/03/2022

"Amazing experience from start to finish. Dec was so helpful and made the whole process easy, always on hand to answer any questions, can’t thank him enough" Ellen, 08/03/2023

"Wanted a remortgage & dealt with Dec. He made it a very easy process and was very friendly & helpful. He gave me constant updates and was always available if I needed to ask any questions" Amanda, 05/09/2022

"This was the first time I have had to go through the process of a remortgage application and it could not have been made any easier. Dec took the time to explain the process and provided me with a range of options and explained these in great detail, for someone who knows very little about remortgaging it was made clear and simple. Dec was efficient, professional and extremely understanding" 09/08/2022

"So helpful, patient, understanding & compassionate about my situation. Dec seemed knowledgeable & like he genuinely wanted to help. He understood the market, was able to give me sound advice & make recommendations based on my individual circumstances. I will definitely use this service again when I need a mortgage" Sarah, 29/03/2022

"Excellent, swift and smooth service from start to finish. Dec was so helpful and took the stress of mortgage application out of my hands" Hayley, 29/11/2021

Other Mortgages Services

Your home may be repossessed if you do not keep up repayments on your mortgage

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If you’re remortgaging your current home, we’d love to help!

Ben Scotcher

10 September 2026

This is the second time myself and my wife have used Dec and his team. Both times they were extremely efficient, professional and genuinely cared throughout the whole process. They kept everything running smoothly, communicated clearly and were always there to help whenever I had any questions. I really appreciated their support and would highly recommend their services to anyone looking for a mortgage advisor. Ben and Fern

Eleanor Folger

2 September 2026

Plura’s service has been outstanding from start to finish yet again. We contacted Plura ahead of making an offer on a new property, which we intend to be our ‘forever’ home therefore extra consideration had to go into the affordability of this. Dec and his team have been extremely proactive, organised and efficient in getting us the information we need to make this huge decision and progress matters. Nothing ever feels like too much work. Each element of the service is not only professional and seamless but provided with a positive energy and passion for what they do. Thank you Dec, Kath and Amy for this fantastic service!

James Robinson

An excellent Service, very professional, both Amy and Dec kept us informed throughout the remorgage advice process, finding us the best deal to meet our needs. Would highly recommend. Thankyou

Matthew Fryer

24 August 2026

Dec has been absolutely brilliant throughout the whole process. Honest, professional and always kept us updated every step of the way. He was available whenever we needed him, even late at night to help push things through. Couldn’t recommend Dec highly enough. If you’re looking for a mortgage advisor, I’d definitely recommend him

Ruth Murphy

12 August 2026

My husband and I have used Plura numerous times now, and Dec has always been absolutely amazing, which is why we keep coming back. However, this was our first time working with Amy and she showed exactly the same high standards - we genuinely couldn’t be happier. The service from Amy was honestly brilliant. She was so easy to communicate with and always made herself available whenever we needed her. She took the time to properly understand our needs, our circumstances and what was right for us, rather than just giving us a standard solution. She explained everything clearly and simply, which made the whole process feel so much easier and less overwhelming. What really stood out was how much Amy genuinely cared about getting the right outcome for us. She was open and honest throughout, answered every question we had and came back with results so quickly. We always felt that the advice she gave us was based on what was genuinely best for us. We would absolutely recommend Amy, and Plura, to anyone looking for help with a mortgage or insurance. There really isn’t anyone better at this and we wouldn’t hesitate to use them again!

Remortgages

What is a remortgage & why do it?

How We Help:

Speak To An Advisor

When should you start considering your options?

It's advisable to get in touch 6 months in advance of your current mortgage deal expiring... Mortgage offers generally last for 6 months, so it's better to get started early to secure a rate, knowing that if something better becomes available before you complete, we'll be monitoring it for you

The most common reasons to remortgage are:

PRODUCT TRANSFER VS REMORTGAGE – What’s the difference?

Speak To An Advisor

Other Mortgages Services

Ready to take the Next Step?

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