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🧠 Why Consider Remortgaging?
Whether your current deal is ending, you’re looking to reduce your monthly payments, or you want to unlock funds from your property—remortgaging could be the right move.
At Drummonds Finance Group, we work with clients across Oxford, Bicester, and the UK to help them remortgage with confidence and ease
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📈 Protection Against Rate Rises
With interest rates on the move, many homeowners are remortgaging to lock in lower fixed rates before further increases.
By remortgaging now, you could:
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✅ Protect yourself from future rate rises
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✅ Secure fixed monthly payments for peace of mind
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✅ Potentially save thousands over the life of your mortgage
Even if your current deal still has a few months left, reviewing your options early could be a smart financial decision, especially if your lender allows early switching without penalties.
💷 Releasing Equity
Have you built up equity in your home?
Remortgaging can be an excellent way to release that value and put it to good use, such as:
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🛠️ Extending your home – add an extra bedroom or build a home office
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🎨 Home improvements – renovate your kitchen, bathroom or garden
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💳 Debt consolidation – pay off high-interest loans or credit cards
Rather than taking out expensive personal loans, using your home’s equity through a remortgage can be more cost-effective and spread over a longer term.
⏳ Your Current Deal Is Ending Soon
If your fixed-rate or tracker deal is about to expire, now is the time to act.
When your deal ends, your lender typically moves you to their Standard Variable Rate (SVR), which is often much higher and variable.
By remortgaging before that happens, you can:
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🔒 Lock in a better rate
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📉 Reduce your monthly payments
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🛡️ Avoid being caught out by fluctuating rates
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Our advisers can check how soon you can switch, and whether it’s worth moving early, even with any potential exit fees.
📊 How We Can Help You Remortgage
At Drummonds Finance Group, we offer whole-of-market remortgage advice, which means we’re not tied to any one lender. This gives us access to a wide range of mortgage products to suit your unique situation.
We’ll take care of the entire process for you:
✅ Review your current mortgage and financial goals
✅ Compare the best remortgage deals across the market
✅ Calculate potential savings or equity release options
✅ Submit the application and handle all paperwork
✅ Keep you informed every step of the way
You’ll get personal service, expert guidance, and a stress-free experience from a team that genuinely cares.
🗓️ When Should You Start Thinking About Remortgaging?
The best time to start is around 3 to 6 months before your current deal ends. This gives us enough time to secure your next deal so it’s ready to start when your current one finishes, avoiding the SVR trap.
Even if your deal isn’t ending soon, you might still benefit from switching early if:
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Interest rates are predicted to rise
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You need to release equity now
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Your financial circumstances have changed
Our Services
Complete Financial Solutions for Every Step of Your Journey
First-Time Buyers
Entering the financial planning world for the first time can feel daunting.
Our team is committed to simplifying this experience by dividing it into manageable steps.
We offer personalised guidance, ensuring you understand each aspect of the financial process and make well-informed decisions.
Moving Home
Relocating can be complicated, but with our thorough support, you can focus on settling in while we manage the financial details.
We help assess your financial capacity, secure favourable terms, efficiently handle the paperwork, and ensure a seamless transition throughout the process.
Remortgaging
Whether you aim to lower your monthly expenses, switch to a more favourable interest rate, or release equity for other investments, our financial expertise is here to assist you.
We strive to make the process simple and hassle-free, providing peace of mind with every decision.
Buy To Let
For landlords and property investors, navigating the financial landscape involves understanding constantly changing regulations and financial products.
We provide expert advice tailored to these requirements, ensuring your investment remains profitable and compliant with current laws.
The Drummonds Advantage
Mortgages Made Simple
With Clear, Professional Guidance From Start To Finish
Choosing Drummonds Financial Group means more than just securing mortgage advice; it's about partnering with a team dedicated to transparency, efficiency, and bespoke service.
As a leading provider of financial advice in Oxfordshire, we offer unparalleled expertise, ensuring your experience is smooth from the initial consultation to completion.
Ready to streamline your financial journey? Get in touch with us today to enjoy the Drummonds advantage, featuring expert, personalised advice at every stage.