Remortgages & homeowner loans
Fixed rate ending, debts to clear or plans for your home? We compare first and second charge deals from across the market and show you every sensible option, even if your bank has said no.
An adviser will call you to talk through your options. If you’d rather talk now, call us free on 08000 887788.
How we help
Most people call us at a turning point. Pick the one that fits and we’ll tailor your free check to it.
Many lenders let you secure a new rate up to six months before your deal ends.
Check my optionsThese rates are usually higher than fixed deals, so it’s worth comparing now.
Check my optionsWe compare deals from across the market for your circumstances, not just one bank’s.
Check my optionsOne monthly payment instead of many. Think carefully first, as you could pay more overall.
Check my optionsRaise money for a new kitchen, a loft conversion or the extension you’ve been planning.
Check my optionsOne lender’s no isn’t the whole market’s answer. Let us take a fresh look.
Check my optionsWe work with lenders who look past a less-than-perfect credit score.
Check my optionsSome lenders will consider it. We’ll be honest about what’s realistic for you.
Check my optionsMarriage, separation or a change of plans. We’ll guide you through it with your lender.
Check my optionsPut a plan in place well before your term ends, so there are no surprises.
Check my optionsA new job, self-employment or a growing family? Let’s make sure your mortgage still fits.
Check my optionsTalk it through with a friendly adviser. There’s no obligation.
Call free 08000 887788Two ways to borrow
We arrange both, so our advice is never steered towards one. Here’s the difference in plain English.
Replace your current mortgage with a new deal, borrowing more if you need to.
Worth comparing if
Keep your current mortgage and take a separate loan secured on your home.
Worth comparing if
Both are secured on your home. Sometimes a further advance from your current lender, or an unsecured loan, could suit you better. We don’t arrange those, but we’ll always tell you if they’re worth a look.
Why Just Remortgages
It’s in our name, and it’s how we’ve worked since 2010. Whoever you are and whatever your credit history, you’ll get a fair hearing, honest advice and fees explained before anything happens.
We’re a friendly team based in Whiteley, Hampshire, and we see every application through from first call to completion.
“Jo and Sue are earth angels.”
We look at your whole situation, not just a credit score. A low score or a no from your bank doesn’t end the conversation.
We’re not tied to any lender, estate agent or bank, and we compare first and second charge deals from across the market.
No upfront fees. Your adviser explains any fee and confirms it before you decide to go ahead.
If borrowing more isn’t right for you, we’ll say so. Your home matters too much for anything less.
How it works
Whatever you need, you’ll have one adviser who sees it through from beginning to end.
Take the free check or call us. An adviser talks through your situation and explains what we’ll need from you.
We compare deals from across the market and recommend the one that fits, with rates and any fees explained.
We arrange an agreement in principle, submit your application and keep things moving with the lender and valuer.
When your offer arrives, we work with your solicitor through to completion and check whether you need any protection.
Before your new deal ends, we’ll get in touch to review it, so you don’t drift onto a standard variable rate.
Reviews
Every review here is a verified Feefo review from a real customer.
“During a very difficult time, could not have asked for more help and support from Just Remortgages. Emails were answered straight away. The process was so efficient and I received the funds quickly.”
“They go over and beyond their limits to help you and get you to where you need or want. Jo and Sue are earth angels.”
“They are amazing and can’t do enough for you. We are so grateful for all your help and you have helped us more than you know.”
Protection
Once your mortgage is sorted, we’ll check you and your family are protected if the unexpected happens. We compare life insurance, critical illness cover and income protection from a range of insurers, and can arrange buildings and contents cover too.
There’s no broker fee for insurance advice.
Ask about protectionRecommend a friend and we’ll send you a £100 Amazon voucher when their mortgage completes. Terms apply.
FAQs
Straight answers to the things people ask most. If yours isn’t here, call us free on 08000 887788.
Often, yes. We work with lenders who consider people with a less-than-perfect credit history, including missed payments, defaults and CCJs. Your options depend on how recent and how serious the problems were, and we’ll be honest with you about what’s realistic.
Being in a debt management plan doesn’t automatically rule you out. Some lenders will consider it, depending on how the plan has been run and your wider circumstances. Talk to us and we’ll tell you straight whether it’s worth applying.
A remortgage replaces your current mortgage with a new one, often with the option to borrow more. A homeowner loan, also called a second charge mortgage or secured loan, sits alongside your existing mortgage. Both are secured on your home. We arrange both, so we can recommend whichever suits you.
It can lower what you pay each month, but spreading debts over a longer term can mean paying more in total, and those debts become secured on your home. Think carefully before securing other debts against your home. Your adviser will set out the costs clearly so you can decide.
Around six months before it ends. Many lenders let you secure a new rate that far ahead, so you can avoid moving onto your lender’s standard variable rate when your deal finishes.
We don’t charge any upfront fees. For a remortgage, our typical broker fee is £995 (up to £1,995 for more complex cases), plus a £595 legal administration fee. For a homeowner loan, it’s up to 10% of the amount you borrow. Your adviser will confirm the exact cost before you go ahead, and we may also receive commission from the lender. Our Initial Disclosure Document has the full details.
No. We’re not tied to any lender, estate agent or bank. We offer a comprehensive range of first and second charge mortgages and loans from across the market, but not deals you can only get by going direct to a lender.
Usually, yes. Your lender has to agree to the change and will want to know the mortgage is still affordable. Sometimes a remortgage is the simplest way to do it. We’ll explain your options and deal with the lender for you.
Yes. Whether your term is ending soon or you simply want a plan, we’ll look at your options, which can include moving some or all of it onto repayment or finding a new interest-only deal.
We don’t disappear. Before your new deal ends, we’ll get in touch to review your mortgage, so you stay on the most suitable deal for your needs.
No. The free check is a guide that works out your figures in your browser. It doesn’t involve a credit search. Lenders carry out their own credit checks if you decide to apply.
Talk to us
Leave your number and a friendly adviser will call you back at a time that suits you. Or call us free now.
Already a customer? Request a callback or complete your fact find.
We’ll call you back as soon as we can. If you’d rather talk now, call us free on 08000 887788.
