Helping you save on your monthly payments - making sure your not overpaying.
We’ll compare your current lender against 1,000’s of products across the whole market and find the deal that work best for you.
Your mortgage shouldn’t cost you more than it has to.
When you first took out your mortgage, it might have been the right deal. But things change. Introductory rates expire, your home may have risen in value, and new products appear on the market all the time.
If you’re rolling onto your lender’s standard variable rate (SVR), you could be paying hundreds more each month than you need to.
That’s where remortgaging comes in.
At Turkington Davis, we make it simple: we compare the market, explain your options clearly, and help you switch to a deal that saves you money or frees up funds for your goals.
Independent, FCA-authorised mortgage advisors | Trusted for remortgaging across the UK
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why Remortgage?
Remortgaging simply means switching your current mortgage to a new one, either with your existing lender, or a new one.
People remortgage for many reasons, including:
To get a better rate when an introductory deal ends
To reduce monthly payments
To raise money for home improvements or big expenses
To consolidate other debts into one manageable payment
To switch from interest-only to repayment (or vice versa)
To release equity from your home
Whatever your reason, we’ll help you find the best-fit deal and guide you through the process with zero jargon.
Find out if you could save - all it takes is a quick 15-minute call.
How We Help You With Remortgages
At Turkington Davis, our role is to:
Search the whole market – we compare thousands of deals, including ones not available directly to the public.
Save you time and stress – no endless form-filling or chasing lenders; we handle it for you.
Give clear, tailored advice – we explain your options in plain English so you can make confident decisions.
Plan for the future – whether you’re raising capital, improving your home, or securing your family’s future, we align your remortgage with your long-term goals.
Add a personal touch – you’ll work with a real adviser who understands your situation, and your unique circumstances.
The Remortgage Process
We’ll be with you from start to finish. Here’s how it works:
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We’ll review your current mortgage, rate, and goals to see if you could save money on your monthly payments.
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We search thousands of lenders and products to find the ones that could save you money or best meet your needs.
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This shows how much you could borrow and confirms eligibility.
This is also quite often referred to as an agreement in principle (AIP), or a mortgage in principle.
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We handle the paperwork and liaise with the lender.
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The lender values your property and, if all is in order, issues a new mortgage offer.
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Your old mortgage is paid off, your new one begins, and any funds (if raising capital) are released.
When is the best time to remortgage?
The best time is usually 3–6 months before your current deal ends. That way, you can secure a new rate and avoid rolling onto your lender’s higher SVR.
You may also want to remortgage sooner if:
Your home has increased in value (you might now qualify for a lower LTV bracket and better rates).
You want to raise funds for improvements, investment, or other goals.
Your circumstances have changed (new job, family, income, or debts).
Why choose Turkington Davis?
Choice - with access to the whole-of-market we compare thousands of deals, so you don’t have to.
Clarity - mortgages explained clearly, jargon free, so you always know what’s happening.
Support - we guide you from our first chat and each milestone, until completion.
Specialist Knowledge - Complex mortgage cases and property financing solutions.
Long Term Thinking - we don’t just arrange mortgages, we help build your financial future.
A Personal Touch - a real advisor who understands your case, and your circumstances.
Ready to take your next step?
Your mortgage shouldn’t hold you back — or cost you more than it needs to.
At Turkington Davis, we’ll find you the right deal, save you money, and guide you through the process from start to finish.
Remortgaging FAQs
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Remortgaging is when you switch your current mortgage to a new one, either with the same lender or a different one.
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Most people benefit from remortgaging 3–6 months before their current deal ends to avoid moving onto the lender’s SVR.
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It depends on your current rate, remaining balance, and the new deals available. Many clients save hundreds per month.
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Yes, but you may face early repayment charges (ERCs). We’ll calculate whether it’s worth switching early.
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Yes, some lenders specialise in helping clients with less-than-perfect credit, though rates may be higher.
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You may need to budget for valuation fees, solicitor fees, and lender arrangement fees. Some remortgage deals include free legals or cashback to offset these.
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Yes, you can release equity from your property for home improvements, investments, or consolidating debts.
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Yes - but many lenders cover basic legal work as part of their remortgage package.
More Useful Info for Home Owners
Home Mover Mortgages - Thinking of moving instead of remortgaging? Discover whether porting or switching could make your next move smoother - and potentially save on fees.
Protection & Insurance Advice - Remortgaging is the perfect time to review your financial protection - from life cover to income protection. Make sure your mortgage and family are covered if life changes unexpectedly.
Self-Employed Mortgages - If you’re self-employed and due to remortgage, lenders assess income differently. Find out how to structure your finances to keep your options open
More Useful Info : External Links
MoneyHelper – Should I Remortgage? - Official government-backed guidance on when remortgaging makes sense, how to avoid unnecessary fees, and what to check before switching lenders.
Bank of England – Interest Rate Updates - Track the latest base rate trends and market insights that influence mortgage rates and lender decisions.
Your home may be repossessed if you do not keep up with repayments on your mortgage.
The Financial Conduct Authority does not regulate most buy to let mortgages.