If you’re facing that time in your homeownership that many people dread – the remortgage, we get it. It can mean getting lots of paperwork together, valuations, legal work and time on the phone or in a meeting with your mortgage broker to find the next right mortgage deal, not to mention the potential increase in monthly repayments...

But why do people dread the remortgage process?

Could it be that we’ve all become very used to the speed of life and expect everything to be delivered within 48 hours? Go online and order something before midnight and it’s generally here the next day, or feel the disappointment if it takes longer!

Question – when you order something online, do you actually read the reviews, do you research the ‘related products’ section, do you read the terms and conditions? Who does read those long T&Cs anyway? Surely very few, but why not? Because it’s long and boring and you just want to get your hands that new printer/rug/TV/outfit…

Sorry to be the bearer of bad news, but choosing a mortgage has to be different – despite Amazon now offering insurance I certainly wouldn’t recommend choosing a mortgage in the same way – even if you could pay for next day delivery...

You are about to borrow hundreds of thousands of pounds, so it needs some proper time and thought to make sure you make the right choice. That’s why we would never recommend buying a remortgage online without talking to someone who can translate all those T&Cs, insurance jargon and lender small print for you.

The choice is all yours, but did you know, you may not have as much choice if you shop online for a remortgage on your own? There are many respected lenders that choose only to work with brokers, so you could well be missing out on a huge chunk of the options…

And that’s also why you may want to think about your mortgage renewal if it’s coming up this year – even if it’s not until the autumn, the more time you have for research the better.

Why should you talk to a mortgage advisor early on?

The role of the advisor is not to tell you what to do, it’s to do the leg work and pull out the options that suit your personal circumstances best, then provide you with the information, explain the pros and cons of each option and ultimately process the case and help you through the journey to a successful remortgage. Engaging with a mortgage advisor early on – even 9 months early, gives us both time to research how we can maximise your financial position for the next 3-5 years.

Now every advisor worth their Google reviews is going to provide you a great service, access to whole of market options, support, experience, guidance etc. but some choose to charge you a fee. Fine, they can do this, but you do you relish paying £200-£1000 in advice/admin fees to get the right mortgage. I’ve been doing this 15+ years now and apart from a very short period of time I’ve been fee-free – that fact shouldn’t de-value my professional advice, in fact it should be valued even greater.

It’s time to prepare for 2026

Great Google reviews are one thing, but it doesn’t change the pursuit of excellence for me. I can’t promise you the cheapest remortgage rate, or to save you money or even find you the ‘best’ mortgage – everyone’s different and what’s RIGHT for you is what I’m interested in (and saving you time and worry).

If your mortgage is coming up for renewal this year, don’t waste your time online, get in touch today so we can start preparing.