🏡 Remortgaging in Brighton & Hove

From Regency conversions to Marina apartments and family homes in Hove, Brighton’s market moves fast — and so do mortgage rates. We help homeowners review options, avoid expensive SVRs and secure a new deal in good time. If a recommendation is required, we’ll connect you with an FCA-regulated adviser.

📌 Reasons to Remortgage

• 💰 Cut costs: Move to a sharper rate before SVR kicks in
• 🏠 Release equity: Fund refurbishments or extensions
• 📅 Fix payments: Certainty for 2/5/10 years
• 🔄 Restructure: Change term or mortgage type (criteria apply)

🤝 How We Work

• 📝 Check ERCs and your product end window
• 📊 Compare lenders on total cost over the fixed period
• 📂 Prepare documents to keep underwriting smooth
• ⚖️ Coordinate valuation/conveyancing to completion

⏰ Best Time to Start

Begin 3–6 months before your deal ends to lock terms and avoid SVR.

📍 Brighton Considerations

Lease specifics (ground rent, service charges) on period conversions can affect affordability. EPC ratings matter for older stock; quotes/plans for improvements strengthen equity-raise cases.

❓ Remortgage FAQs

Should I stay with my lender?

✔ Sometimes — but switching can reduce total cost. We’ll compare both.

Are there fee-free remortgages?

✔ Yes — some include free valuation/legal packages; we’ll weigh against lower-rate/fee products.

Can I change my term?

✔ Usually, subject to affordability and policy.

Will credit checks apply?

✔ Yes — both product transfers and remortgages can involve checks.

🚀 Next Steps

Share your Brighton property details and aims. We’ll outline options and connect you with an FCA-regulated adviser to secure the right fit.