The majority of mortgages begin with some form of incentive; whether it be a fixed rate, tracker or discounted period. These incentive periods usually last for between 2 – 5 years depending on the particular product. At the end of this period, a mortgage will usually revert to the lender’s standard variable rate which can be higher than the preferential rate that was experienced in the beginning. This is the time to get in touch with a remortgaging broker so you look around to see if there are any better mortgage products available.

How we can help

The process is much easier than people think. Let Your Mortgage Shop do the work for you, examining your current deal and letting you know exactly what options are available to you.

Our mortgage calculators and remortgage advisors can give you an idea of the level of mortgage that may be available to you as well as what your likely repayments may be.

Mortgage Quote Calculator​

Mortgage Quote Calculator

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Mortgage applications are subject to status. The rates detailed are for illustrative purposes only and may not be applicable for your circumstances. Our advisors will be able to discuss the full range of products on offer that suit your criteria.

Mortgage applications are subject to status. The rates detailed are for illustrative purposes only and may not be applicable for your circumstances. Our advisors will be able to discuss the full range of products on offer that suit your criteria.

Affordability Calculator​

Affordability Calculator

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Affordability

This illustration is not a quotation under the Consumer Credit Act. Any figures quoted are subject to validation of income, credit checks and a property valuation. View our latest mortgage rates on our home page to find a selection of mortgage products. Alternatively, let one of our mortgage experts handle it for you. They’ll find the right mortgage for you and manage the process from start to finish.

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