Whatever your reason for wishing to remortgage Fox Davidson can help you to secure the best mortgage deals for your situation.

What is a remortgage?

A remortgage is when you change your mortgage lender without moving home. The reason you may remortgage are usually to raise more money, secure a better rate of interest or to repay some debt.

Whatever your reason for wishing to remortgage Fox Davidson can help you to secure the best mortgage deals for your situation. We are an independent broker which means we access the whole of the market including second charge mortgage lenders.

It doesn’t have to cost you anything either… If you wish to remortgage we can usually secure mortgage deals with the mortgage lender meeting the cost of the property valuation and paying the solicitors costs.

Why Should I Remortgage?

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To Secure a Better Rate of Interest

It is important to ensure that your finances are in order and ensuring you always have the best mortgage deal for your situation will save you money. You can look at remortgage option around 3 months before your current deal ends.

To Raise Additional Money

Lenders will lend additional money for many reasons including; money for a deposit on a second home or a buy to let, money for a new car or caravan, for weddings and for holidays.

To Repay Debt

If you wish to consolidate your loans into one mortgage then you can remortgage to repay debt including credit cards, loans and hire purchase. Your adviser will discuss substituting short term debt for long term debt and will ensure it is the right option for you.


Second Charge Mortgages

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It is not always best advice to remortgage. If you are on a very low rate or have early repayment charges that make remortganing more expensive then you should consider a second charge mortgage.

What is a second charge mortgage?

A second charge mortgage is a loan secured on your property which sits behind the first mortgage lender. Second charge mortgage rates will be higher because in the event or repossession they take second place to the main mortgage lender. Second charges can be useful where the first mortgage lender will not lend you additional funds.

If you would like to discuss your mortgage options please call or email one of our qualified, experienced mortgage brokers. For face to face mortgage advice we have offices in Bath, Bristol & London or we can deal by phone, post and email.


A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender if you remortgage.