Secure the best deal for your home up to six months early.
If you’re looking to remortgage, Saga Mortgages are here to help. We partner with Tembo, who are an award-winning digital mortgage broker. They provide expert advice and access to a wide range of mortgage deals.
We can help you apply for a new mortgage up to six months before your current deal ends. If interest rates fall before you switch, we'll let you apply again at no extra cost. And if rates go up, your lower interest rate will be safely locked in.
Over 100 different lenders will be considered to find you the most suitable and best priced option available for you.
Including high-street lenders like HSBC, NatWest, and Barclays as well as specialist lenders and building societies such as Metro Bank and Skipton Building Society.
It’s quick and easy to see what mortgage deals are available to you. Register your details here and complete our online fact find. You'll then see examples of relevant products, costs and interest rates.
If you’re eligible, we’ll also invite you to book an advice session with a mortgage advisor. They will explain your options in more detail and answer any questions you have. The session is relaxed, and you won’t feel any pressure to proceed.
As with any mortgage, the loan will be secured against your home. If you don't keep up with your monthly payments, you may lose your home.
Find a lower rate - Market interest rates might have fallen since you took out your current mortgage. This means you might be able to switch to a lower rate. You could reduce your monthly payments and overall interest costs.
Free up some money - You could access some of the equity from your home in the form of a cash lump sum. This might be possible if:
With the money you release, you could cover the cost of a special project. Some people choose to upgrade their home, manage debt, or help a loved one buy a property.
Affordability checks - If you’re switching to a new mortgage provider, they will conduct a full affordability check before they approve you. This includes a credit check.
If you’re staying with the same lender, full checks aren’t likely. This could be helpful if your income or circumstances have changed, as both can affect your affordability.
Fees and charges - Depending on the lender and your situation, you might need to pay arrangement fees, legal fees, and valuation fees. If you leave your current mortgage deal before it ends, you may have to pay an Early Repayment Charge (ERC). It can be costly, so you will need to factor this into your budget.
Want to talk to us about remortgaging? You can speak to an expert seven days a week.
Mon-Thu 9am-8pm
Fri 9am-5:30pm
Sat-Sun 10am-3pm
