Thomas Honour Mortgage Services, are your go-to mortgage advisor for hassle-free remortgages in Brackley and beyond. We specialise in helping homeowners like you find the perfect remortgage solution tailored to your specific needs. Whether you’re looking to secure the most suitable interest rate, release equity for home improvements, or consolidate debts, we have the perfect remortgage solution tailored to your unique needs.

Think carefully before securing any other debts against your home.
Your home may be repossessed if you do not keep up repayments on a mortgage

Why Choose Thomas Honour Mortgage Services?

We understand that remortgaging can be a significant financial decision. That’s why we offer a range of benefits that set us apart from the competition:

  1. Expert Advice: Our team of experienced mortgage advisors are here to guide you through every step of the remortgaging journey. We understand that every individual’s financial circumstances are unique. That’s why we take the time to assess your situation, listen to your goals, and offer personalised remortgage solutions that meet your specific requirements. Our aim is to find the most suitable mortgage products with competitive interest rates and favourable terms
  2. Extensive Network of Lenders: As an established mortgage broker, we have built strong relationships with a network of reputable lenders. This gives us access to exclusive deals and competitive interest rates, ensuring that you get the most favourable terms for your remortgage.
  3. Hassle-Free Process: We understand that navigating the remortgaging process can be daunting. That’s why we’re here to simplify it for you. Our dedicated team will handle all the paperwork, liaise with lenders, and ensure a smooth and efficient process from start to finish. You can count on us to take care of the details while you focus on other important aspects of your life.
  4. Outstanding Customer Service: Our commitment to exceptional customer service sets us apart. We prioritise clear and open communication, keeping you informed at every step of the process. Our friendly and professional team is readily available to answer your queries, address your concerns, and provide ongoing support even after the remortgage is complete. We are rated the top mortgage advisor in Brackley, check out our reviews (link to reviews). 

Unlock the Benefits of Remortgaging Today!

Remortgaging with Thomas Honour Mortgage Services can unlock a range of benefits for homeowners just like you. By taking advantage of our remortgaging service, we can help you:

  • Remortgage Comparison: With access to a wide range of remortgage products, we can compare the deals offered by your current lender to products from different lenders to find the best match for your requirements
  • Debt Consolidation: If you’re burdened with multiple debts, a remortgage can provide a solution by consolidating your debts into a single, manageable monthly payment
  • Home Improvements: Remortgaging can provide you with the funds needed to invest in home improvements or renovations, increasing the value of your property. 
  • Capital Raising: If you’ve built up equity in your home, remortgaging can allow you to release some of that equity for various purposes, such as buying another property, pay for school fees , starting a business, or enjoying your retirement
  • Consolidate your Help to Buy Equity Loan: Repay your Help to Buy equity loan with a remortgage

Contact us today to discuss your remortgaging needs and take the first step towards a brighter financial future.

Think carefully before securing any other debts against your home.
Your home may be repossessed if you do not keep up repayments on a mortgage. 

Remortgages F.A.Q

The right time to remortgage depends on various factors such as interest rates, your current mortgage deal, and personal circumstances. To make an informed decision, consider the following factors:

  1. Expiring fixed-rate period: If your current fixed-rate mortgage is about to end, it’s an ideal time to remortgage. You should start looking for remortgage options around 6-months before the end of your current deal.
  2. Falling interest rates: Monitoring the market for declining interest rates is crucial. If interest rates have significantly decreased since you obtained your mortgage, remortgaging can enable you to switch to a lower rate, reducing your monthly repayments and potentially saving you money over the long term.
  3. Equity growth: If the value of your property has increased since you took out your mortgage, you may have built up equity. Remortgaging at this point allows you to access this equity, enabling you to consolidate debts, make home improvements, or invest in other ventures.
  4. Improved credit score: If your credit score has improved since you last applied for a mortgage, you may qualify for lower interest rates. Lenders consider borrowers with higher credit scores as less risky, making it an opportune time to remortgage and secure more favourable terms.
  5. Financial circumstances: Changes in your financial situation, such as a promotion or a new job with a higher income, may make remortgaging beneficial. 

Remember, consulting with a qualified mortgage advisor is crucial to ensure you are making a well-informed choice for your financial future.

The cost to remortgage is often lower than you think as many lenders offer incentives to attract borrowers to remortgage with them. These incentives may include a free mortgage valuation and free standard legal work or providing cashback upon completion. Taking advantage of these incentives can reduce the cost of remortgaging.

It’s important to note that while the cost to remortgage is often lower than expected, there may still be expenses involved such as arrangement fees, broker fees, and potential early repayment charges.

A good mortgage advisor will carefully review the terms and costs associated with any remortgage offer to ensure it aligns with your financial goals.