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Remortgaging your home

Time your mortgage earned its keep

Perhaps your current deal is ending. Maybe your circumstances have changed. Whatever the reason, switching to a new mortgage can reduce your payments, lock in a better rate, or free up some cash for other plans. One of the best pieces of advice we’ll give you is this: remortgaging is really about ensuring your mortgage still works for you, rather than chasing the lowest rate.

When folks think about remortgaging, they picture a mountain of paperwork, endless emails, and weekends lost to comparing deals online. Yes, there’s a bit of that. But that’s for us to deal with, not you.

How we help

Let’s make sure it’s done right

Before we dive into remortgaging, there are a few things we need to discuss, like possible higher lending charges or penalties for leaving your current mortgage early. We’ll ensure you’re aware of these before we take the next steps.

Smooth sailing from start to finish

You know that sigh of relief you take after stepping off a plane, ready to unwind on holiday? That’s precisely how you’ll feel from the moment you begin working with us. “Stressed” isn’t a word that will be in your vocabulary, as we’ll calmly take care of finding you a new mortgage deal.

A polished approach to remortgaging

We won’t even try to count how many remortgages we’ve handled, but trust us, it’s a lot. With all that experience, we’ve perfected a tried and tested four-step process that just works, every time. Streamlined, stress-free, and swift – that’s how we roll.

Matchmaking from the entire market

This isn’t about playing favourites. We work from a comprehensive panel which is representative of the whole of the market to find what’s right for you. As a broker, we’re not tied to any banks or lenders and are free from any restrictions or third-party ties. There are no hidden agendas in sight.

Your questions, answered

Got questions for us? Excellent, because we love answering them. People at all stages of the home-buying journey come to us with many queries, so we’ve compiled some of the more frequently asked ones below.

Can I remortgage if I have bad credit?

Yes, it’s often possible, though your options may be more limited. We’ll assess your situation and help you understand what’s available, including any specialist lenders that may be able to help

Do you take a percentage or are your fees fixed?

In most cases, we charge a fixed fee. This gives you clarity and peace of mind, knowing exactly what the cost will be. We’ll always confirm this before you proceed.

What is the most popular mortgage in the UK, i.e., fixed-rate or variable- rate?

Fixed-rate mortgages are currently the most popular choice in the UK, as they offer predictable payments and peace of mind, especially when interest rates are uncertain.

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Our clients say...

The best way to understand the difference we make is to hear it directly from the people we’ve helped. Here, you’ll find a selection of testimonials and recent survey results that give you a flavour of how we work.

Reviews and Ratings for Financial adviser James McQuistin, Edinburgh

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    Bespoke Home Finance Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority.

    Registered in Scotland under company number SC493767. Registered office address: Challoch Inn, Bridge Of Aldouran, Leswalt, Stranraer, United Kingdom, DG9 0LJ.

    Trading address – 83 Princes Street, Edinburgh, EH2 2ER United Kingdom.

    Your home may be repossessed if you do not keep up with repayments on your mortgage.

    Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

    The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

    This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. Our fee statement can be viewed here.

    The firm charge a fee between £0 and 1% of the value you need to borrow up to a maximum of £999. The fee will be payable on offer of the mortgage.

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