Mortgage Solutions

Remortgage

Guiding Your Mortgage Journey, Always Available…

Whether you’re coming to the end of your current mortgage deal, looking to reduce your monthly payments, or wanting to release equity from your home, we’re here to help make remortgaging simple. We compare a wide range of mortgage lenders with exclusive mortgage products to find a mortgage that suits your circumstances, ensuring you get competitive rates and expert advice every step of the way. From your initial review through to completion, we’ll handle the process efficiently so you can focus on what matters most.

Check Your Credit Report

Your credit profile plays an important role in your mortgage application and can affect the deals you’re eligible for. Checking your credit report before applying gives you the opportunity to spot any errors, understand your financial position, and improve your chances of securing a competitive mortgage.

Remortgaging FAQs

When should I remortgage?

Most homeowners start looking at their remortgage options around 3–6 months before their current mortgage deal ends. This gives you plenty of time to secure a new rate and avoid moving onto your lender’s higher Standard Variable Rate (SVR).

Why should I remortgage?

There are many reasons to remortgage, including:

Securing a lower interest rate.
Reducing your monthly mortgage payments.
Protecting yourself from future rate increases with a fixed-rate mortgage.
Borrowing more money for home improvements or other major expenses.
Consolidating existing debts (where appropriate).
Changing the term of your mortgage to suit your financial goals.

What can I use released equity for?

If you have built up equity in your home, you may be able to release some of it through a remortgage. Common uses include:

Home improvements or extensions.
Buying an additional property or Buy to Let investment.
Debt consolidation (subject to suitability).
Helping children with a house deposit.
Improving financial flexibility.

Can I remortgage before my current deal ends?

Yes, but it’s important to check whether your existing mortgage has any Early Repayment Charges (ERCs). In some cases, paying an ERC may still be worthwhile if the savings from a new mortgage outweigh the cost. We can help you calculate whether moving early makes financial sense.

Can I remortgage to borrow more money?

Yes. Many homeowners remortgage to raise additional funds, provided they have sufficient equity and meet the lender’s affordability criteria. We’ll help you understand how much you may be able to borrow and explore the most suitable options.

How can we help?

We take care of the entire remortgage process—from reviewing your current mortgage and comparing deals across a wide panel of lenders to handling the application and liaising with solicitors and lenders on your behalf. Our goal is to make switching your mortgage as straightforward and stress-free as possible while helping you secure a deal that’s right for you.

Trusted by our clients. Recommended by their experience.

    
 
 
       Posted on Google  
   
   PD B 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Rosy from Dezrez as an amazing mortgage advisor. She provided exceptional support and clear guidance throughout my entire home purchase. From securing a good mortgage deal to handling the paperwork, the communication and support at every step made the process seamless.
  
 
      Posted on Google  
   
   Taz I 
 
 
 
 Trustindex verifies that the original source of the review is Google. I contacted Dezrez Mortgages to arrange a loan on a property i owned. I was greeted by Simran who talked me through the whole process. I was very impressed with the service provided and the deals she was able to source for me. The process from start to finish was smooth and stress free. I will be using Desrez again on my next project and would highly recommend them.
  
 
      Posted on Google  
   
   Paul Taylor 
 
 
 
 Trustindex verifies that the original source of the review is Google. Simran was brilliant — professional, responsive, and incredibly helpful. She’s supported me as well as my brother and sister with great results. I’d definitely recommend her services.
  
 
      Posted on Google  
   
   Sophie Yeoson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rosy was a great help in our house move. She was professional, responsive and very personable. She came to us on recommendation and we have since passed her details on to a few others too. Thank you Rosy for all your invaluable help! Not sure how we would have made it through without you!
  
 
      Posted on Google  
   
   Israr Arshad 
 
 
 
 Trustindex verifies that the original source of the review is Google. I honestly can’t thank Rosy from Dezrez Mortgages Ltd.enough for all her help.

After being messed around by another mortgage adviser and feeling like I was getting nowhere, I came across Rosy company Dezrez Mortgages Ltd. on TikTok and decided to get in touch. It was one of the best decisions I made during my house buying journey.

We had our first conversation on Tuesday, and by Friday I had my mortgage offer. I genuinely couldn’t believe how quickly she got everything sorted.

As a first-time buyer, I had lots of questions and was quite nervous about the process, but Rosy explained everything clearly and kept me updated every step of the way. Nothing was ever too much trouble, and she was always quick to respond when I needed advice or reassurance.

What really stood out was how efficient, knowledgeable, and dedicated she was. After my previous experience, it was such a relief to work with someone who was organised, proactive, and genuinely cared about helping me achieve my goal of buying my first home.

I would highly recommend Rosy to anyone looking for a mortgage adviser. The service she provided was exceptional, and I am so grateful for all her hard work and support.

Thank you, Rosy – you’ve been amazing!
  
 
      Posted on Google  
   
   Asad Rafiq 
 
 
 
 Trustindex verifies that the original source of the review is Google. Simran was amazing and dealt with the whole process very efficiently and it all went very smooth. She was very helpful and understanding and would highly recommend her to everyone.
  
 
      Posted on Google  
   
   Admin ELLES 
 
 
 
 Trustindex verifies that the original source of the review is Google. Such an easy and smooth process with Rosy!
  
 
      Posted on Google  
   
   Devon Monaghan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Derez Mortgages are fantastic! I mainly dealt with Rosy and Simran who are brilliant at what they do. I was told by numerous other advisors it was not possible for me to borrow the amount I needed, yet Rosy and Simran got me a decision in principal for the mortgage I needed! Fantastic customer service, knowledgeable, and great at what they do.
  
 
      Posted on Google  
   
   Michelle Mack 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rosy has been my broker for a few years now. She's very knowledgeable, helpful and always listens. I've recommended her to friends who have also been very pleased.
Rosy is highly recommended & I wouldn't go to anybody else
  
 
      Posted on Google  
   
   Zeynep Örf 
 
 
 
 Trustindex verifies that the original source of the review is Google. They are most helpful people during the purchase of my flat. They answered my most silly questions with patience, I cannot be more grateful.

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