Remortgages
Save Money With the Right Remortgage
Whether your current deal is ending or you’re reviewing your options, remortgaging can help reduce your monthly payments, secure a better rate or free up funds for home improvements, debt consolidation or personal plans.
At Blue Sky Mortgages, we offer independent, whole-of-market advice, comparing a wide range of lenders to help you make the right choice.
Remortgage guidance tailored specially for you
As independent, whole-of-market advisers, we’re not tied to any bank or lender, meaning the remortgage advice you receive is completely impartial and focused on finding the most suitable deal for your circumstances.
We compare rates, fees, incentives and product features across a wide range of lenders, explaining your options clearly so you know exactly how each one works and what it means for your monthly payments.
Our aim is to make the remortgage process simple, transparent and tailored to your needs — giving you confidence and clarity at every stage.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it, to understand more please click here.
Independent mortgage advice
Whole-of-market access
No complicated jargon
Friendly, efficient advisers
In person, online or phone
Our goal is to keep remortgaging simple and stress-free, helping you review your options and make informed decisions with confidence.
your friendly guide
How We Support Your Remortgage
We make the process simple and straightforward by:
- Comparing deals from across the market
- Reviewing your current mortgage and early repayment charges
- Checking whether a product switch with your existing lender is better
- Helping with paperwork, affordability checks and the full application
- Providing support right through to completion
- Assessing whether you can borrow additional funds if needed
- Explaining rates, fees and product features in clear, simple terms
- Securing an Agreement in Principle where required
Whether online, in person or over the phone, our advisers are available 24/7.
Types of Remortgage Options
Exploring remortgage solutions that align with your budget and long-term objectives.
Fixed-Rate
Secure predictable monthly payments for a set period.
Tracker
Your interest rate follows the Bank of England base rate.
Variable-Rate
Lender-set rates that can change — offering flexibility with varying payments.
Product Switch
Move onto a new deal with your current lender — often quicker with fewer checks.
If you're thinking about remortgaging, a clear structure can make everything feel more manageable.
Step-by-Step Guide to Remortgaging
Remortgaging can feel confusing, but having a clear plan makes the process much easier. Here’s a simple step-by-step guide to help you through it:
Review your current mortgage
Start by checking when your current deal ends, what interest rate you’re on, and whether any early repayment charges or exit fees apply. This helps you decide when it makes sense to switch.
Speak to an independent adviser
We’ll look at your circumstances, goals and budget, then explain your options clearly — including whether a product switch with your current lender or a full remortgage elsewhere is likely to be best.
Work out your priorities
Decide what you want your new deal to achieve: lower monthly payments, more flexibility, a shorter term, or releasing equity for home improvements or other plans.
Check affordability and credit profile
We’ll review your income, outgoings and credit history to see how lenders are likely to view your application and how much you can comfortably afford.
Compare options & Choose Your New Deal
We search a wide range of lenders, comparing rates, fees, incentives and features (such as fixed vs tracker), then shortlist the most suitable deals based on your needs.
Submit your remortgage application
We handle the application, help you gather the required documents and liaise with the lender on your behalf to keep things moving smoothly.
Valuation and underwriting
The lender may arrange a valuation of your property and will assess your application in detail. We keep you updated and answer any questions that come up along the way.
Legal work and offer
For most remortgages, legal work is straightforward and often included by the lender. Once everything is approved, you’ll receive a formal mortgage offer outlining your new terms.
Completion and switch
On completion day, your new lender repays your existing mortgage and your new deal begins. If you’re releasing equity, any surplus funds are paid to you. We’ll confirm everything has gone through and make sure you understand your new payments and next steps.
Make Informed Decisions with our Simple Calculators
Whole-of-market access to an extensive range of mortgage products.
FAQ
Your Remortgage Questions Answered
A remortgage involves switching from your current mortgage to a new one, either with your existing lender or a different lender. Many people remortgage to secure a better rate, reduce monthly payments or release equity.
Most people start reviewing their options around three to six months before their current deal ends. This allows enough time to compare lenders, lock in a new rate and avoid moving onto a more expensive standard variable rate.
Common reasons include securing a lower interest rate, reducing monthly costs, borrowing more for home improvements, consolidating debts or switching to a more suitable mortgage type.
Yes, but early repayment charges may apply if you’re still within a fixed or introductory period. We can review your current mortgage terms and advise whether remortgaging early is worthwhile.
You may be able to borrow additional funds, depending on affordability checks, your credit profile and the lender’s criteria. Many people do this to fund renovations or other major expenses.
No. You can stay with your current lender through a product switch, or move to a new lender if they offer a more suitable deal. We compare both options to help you choose the strongest one for your circumstances.
Most lenders will carry out a valuation, and many remortgages don’t require full legal work. However, if you’re changing lender or borrowing more, some legal checks may be necessary. We’ll explain exactly what’s involved.
Yes, but your options may be more limited depending on the level of impact. We work with a wide range of lenders, including those who consider applicants with previous credit issues.
Yes — we provide independent remortgage advice nationwide, with appointments available in person, online or over the phone.