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

Ready to take the Next Step?

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

Antony Rhodes

2 October 2026

As a first time buyer, this experience was absolutely on point. I was fully informed and completely supported through the whole process. I would highly recommend Plura to anyone wanting advice and help with a mortgage application. Thank you Amy and Dec for such a professional and supportive service.

amena walker

28 September 2026

10/10 experience Dec was brilliant with our first introduction call and talking through all the options and what would be best. He explained everything so clearly. Amy is a superstar! She made the process feel so easy and reassured me as a first time buyer. She was so helpful, always keeping me in the loop and just a great adviser! Would recommend to anyone and couldn’t be more grateful to have had them through the process!

Lucy Trudgill

24 September 2026

Fantastic service! Friendly, easy to chat to, great advice! Dec took all the stress away while sorting our mortgage for us! 100% would recommend and use again!

Jordan Gilmore

21 September 2026

We’ve just renewed our mortgage with Dec at Plura Mortgage Advice and honestly couldn’t recommend him enough. Dec made the whole process really easy and stress-free, was always on hand to answer our questions, and kept us updated throughout. He’s a genuinely great guy who clearly cares about his customers, and we really appreciated all the time and effort he put in for us. Thanks again, Dec — we really appreciate it!

Jacob S

17 September 2026

We had the pleasure of using Plura mortgages to arrange our mortgage as first time buyers. We couldn't recommend them enough! Dec, Amy and Kath were extremely helpful throughout the whole process and guided us along every step of the way. Dec was always on hand with any questions we had. Whether that was via email, WhatsApp or call, he was extremely reliable in getting back to us. He's very knowledgable in the range of mortgage packages that may suit different people and will recommend the best option for you! Top guy who is very approachable and personable, would definitely recommend! Thanks so much for all your help Dec, Amy and Kath:)!

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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