Stop overpaying your bank.
Switch and save.
When your fixed-rate deal expires, your lender moves you to their expensive Standard Variable Rate. We search 90+ lenders to find you a better deal and handle everything from first call to completion.
Options structured around your goals
A remortgage is not just about changing banks. Here are the most common situations we help with every day.
Most lenders allow you to secure a new rate up to 6 months before your current deal ends. We monitor your expiry window and act early — protecting you from rate increases.
If your home has increased in value, you may be able to release funds for extensions or improvements at mortgage rates rather than expensive personal loan rates.
This can lower your monthly outgoings but you should think carefully — spreading short-term debt over a mortgage term may increase the total amount you repay. Your home is at risk if you do not keep up repayments.
We structure remortgages for landlords looking to grow their portfolio — safely releasing a deposit to fund a buy-to-let purchase or limited company SPV strategy.
How your loan-to-value determines your rate
Your Loan-to-Value (LTV) percentage falls as you pay down your balance and your property value rises. Crossing a key LTV threshold can unlock a significantly better rate band.
Many homeowners in London and Essex are in a better LTV position than they realise. We check your current position and ensure you access the best possible rate tier.
- 90% LTV — Standard entry tier, typically higher rates
- 80% LTV — Broader lender competition, more choice
- 75% LTV — Strong pricing tier for most lenders
- 60% LTV — The best pricing band, lowest rates
- Product transfers — Stay with your lender with zero legal fees
| Equity | LTV | Choice | Rate |
|---|---|---|---|
| 10% | 90% LTV | Limited | Higher |
| 20% | 80% LTV | Good | Competitive |
| 25% | 75% LTV | Very good | Lower |
| 40%+ | 60% or less | Widest | Lowest |
London remortgage figures
Based on our London and Essex remortgage cases.
Your remortgage, handled start to finish
We handle every step. No waiting on hold with banks.
Free consultation & mortgage review
We review your current mortgage, check your fixed-term expiry, and calculate your LTV to pinpoint exactly how much we can lower your payments.
Full market comparison vs product transfer
We compare 90+ lenders against your existing lender’s retention rates, including all fees, so the numbers always stack up before you commit.
Securing your rate — up to 6 months early
Once you approve our recommendation, we formally reserve your target rate — protecting you from unexpected rate changes during underwriting.
Full application & conveyancing management
We compile your documents, submit the application, coordinate the valuation, and instruct the remortgage solicitors. You do not deal with the lender directly.
Completion — zero days on the SVR
We coordinate the switchover so it happens the day after your old deal expires. Your new lower payment starts seamlessly — no days wasted on the Standard Variable Rate.
Remortgage questions answered honestly
If yours is not here, just call us.
If employed: your latest 3 months’ payslips and bank statements, plus your most recent P60. If self-employed: last 2 years’ HMRC Tax Calculations (SA302) and Tax Year Overviews. Having these ready allows us to secure a formal offer much faster.
A product transfer with your existing lender is fast and involves no new credit assessment. However, switching lenders often gives you access to better rates. We compare both options side by side so you can see exactly which makes more financial sense.
Most fixed-rate mortgages have exit penalties if you switch before your deal ends. We review your mortgage terms and structure your new deal to start the day after your current rate expires — locking in your rate early without paying any exit fees.
Many lenders offer free legal work and free valuations as an incentive to switch. Where these are not available, we calculate all setup costs upfront and compare them against your monthly savings to confirm switching makes financial sense before you commit.
Yes, but think very carefully before doing so. Consolidating unsecured debts can reduce your monthly outgoings, but spreading short-term debt over a longer mortgage term may mean you pay significantly more interest overall. Your home is also at risk if you do not keep up repayments on any debts secured against it. We always explain the full picture first.
Yes — a remortgage is the ideal opportunity to adjust your repayment structure. We analyse your monthly cash flow to ensure stepping up to full capital repayment is affordable, or we can look at a part-and-part arrangement that balances your goals with what you can comfortably afford.
Secure your rate before it shifts
Free consultation. No obligation. We can check your options up to 6 months before your current deal ends.
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There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but a typical fee would be £500. Minimum fee £250, maximum £1,500. Links Financial Services London Ltd is regulated by the Financial Conduct Authority. Registered in England & Wales. 18 Roneo Corner, Hornchurch, RM12 4TN.
