Remortgaging
Coming to the end of your current mortgage deal? We review the whole marketplace to find you the best remortgage and save you money.
Remortgaging
Coming to the end of your current mortgage deal? We review the whole marketplace to find you the best remortgage and save you money.
Find the best rate in today’s mortgage market for your needs!
Remortgaging – make regular reviews your priority
Coming to the end of your current mortgage deal? We review the whole marketplace to find you the best remortgage and save you money.
At Frog Financial Management, we aim to make the remortgage application process as simple as possible. Whether you’re looking to get better value from your current property, restructure your finances, or fund home improvements, remortgaging can be a great option.
With attractive fixed-rate and fixed-term deals available, we can help you move from your current mortgage to a new one that better suits your needs.
How it works
How it works
Our remortgage services
We offer comprehensive residential remortgage services, considering your financial situation and preferred loan length. We present you with a selection of mortgage products tailored to your requirements.
When to start the remortgage process
It’s best not to wait until the last minute. Mortgages are typically valid for six months, so you can begin the remortgage process even if you have several months left on your current deal.
Do I need a valuation?
If you stay with the same lender, it’s considered a product transfer, and no solicitor or valuation is needed. However, switching lenders will involve a solicitor and a property valuation.
Keep your costs down
Reviewing your financial commitments can help reduce costs. When introductory rates end, moving your mortgage can secure a better rate. We’re here to help with the entire process.
Where to start
Headline rates are not always the best place to start. Meeting lending criteria is crucial, so it’s important to apply to lenders who are likely to approve your application.
Considerations
Changes in your circumstances, like job changes or additional debt, can affect your ability to move your loan. If you want to borrow more against your house, we’ll guide you through it.
Additional borrowing
A remortgage can release funds for home improvements or consolidate debts. It’s an excellent opportunity to plan for the future.
How we can help
Our advisers will find the right lender for you, avoiding multiple credit checks on your file. We’ll provide a full cost breakdown, including any solicitor, survey, and mortgage fees.
Find the best rate in today’s mortgage market for your needs!
Frequently asked questions
Frequently asked questions
The main reason is to save money on interest. When introductory rates end, it makes sense to shop around for better deals. If you need additional funds for any legal purpose, remortgaging is an option.
Even with affordable rates, shopping around can secure better deals. If your property value has increased, you might qualify for more competitive rates.
Check for penalties like early repayment charges. Setting up a new mortgage can involve fees, but many lenders offer fee-free deals.
Yes, you can switch from interest-only to repayment loans or explore flexible options like overpaying or payment holidays.
There’s no maximum age, but lenders will consider your retirement plans and income. We can explore later-life lending options if needed.
Yes, this involves a legal process and affordability reviews. Adding or removing someone might also incur Stamp Duty.
When remortgaging you can consolidate debts, but it’s essential to get advice to ensure it’s the best solution for your situation.
If you need additional funds, consider remortgaging, further advances, or secured loans. We’ll help find the best solution for you.
Anytime could be right but consider the costs and benefits. Switching providers when special rates end can save money and release equity.
Our experts handle the entire process, saving you time and avoiding unnecessary costs. We ensure your property fits lender criteria and manage legal processes.
Yes, you can choose terms that suit your financial situation. Shorter terms mean higher payments but less interest, while longer terms lower payments but increase total interest. Extending terms can ease financial strain.
For tailored advice and to explore your remortgaging options, speak to us at Frog Financial Management. We’re here to guide you every step of the way.
The mortgage market can be complex and confusing – that’s why we’re here! Check out our short guide to mortgage types
Mortgages for Contractors can be something of a minefield. Lenders differ in the way they assess a Contractor.
At Frog we work with every client individually. Whether you have just started Contracting or have been for many years, there are lenders out there that will consider your application.
We provide advice for the following Contract workers:
- Self-employed Contractors
- Employed fixed/short term Contractors
- Contractors working under Umbrella companies
- Contractors with only a few months contracting experience
- Agency workers with at least 12 months working history
We already advise business owners and company directors on protecting the things that are most important to them. So, we’re well-placed to advise on the mortgage options if you if you are self-employed.
Lenders will class you as self-employed if you are a sole trader, a partner in a partnership or a company director with an identified percentage shareholding, typically 20% and above.
We can advise you on what you’ll need to supply to verify your self-employed status and with our expert, professional guidance, we can cut through the options and recommend the a suitable mortgage for your needs.
Cutting through the myths of mortgages for the self-employed:
- There are several mainstream lenders who will lend to applicants with just one year’s trading figures, so there is no need to wait if you have recently become self-employed. However, the majority will want two years trading figures.
- In general, lenders will work off the average of the last two years’ income figures:
- For sole traders, this is the average of your last two years’ net profit (after all costs and expenses have been deducted from your turnover)
- For limited company directors, lenders will use a combination of salary and dividend income
- Some lenders will use salary and share of the net profit from a business, if you are a limited company director. If a director is not receiving all the profits available within the business, this option can yield greater affordability, if needed.
You’ll have access to all the same mortgage products available to employed applicants.
Frog Financial Management has specialist knowledge in the large loan mortgage market and many of our clients require borrowing in excess of £1,000,000.
Whether this is on a residential, investment or commercial property, we have extensive knowledge and contacts within the large loan arena. We have developed contacts with the lenders who understand and operate in this demanding marketplace.
We are able to advise on the options for your needs to achieve the level of borrowing you require.
Commercial lending is referred to a third party. Neither Frog Financial Management or The Right Mortgage Ltd are responsible for the advice received.
An interest-only mortgage gives you cheaper monthly payments on your home loan but you are not actually paying back any debt.
At the end of the mortgage term you will still owe your lender the amount that you borrowed, and therefore you need to have plans to repay this at the start of the loan. A repayment mortgage clears the debt by the end of the mortgage term. New regulatory requirements stipulate that lenders can provide interest-only mortgages, only if there is a credible strategy for repaying the capital.
Despite this, the majority of mortgage lenders have chosen not to offer interest-only residential mortgages, and where lenders do offer these mortgages, there is strict criteria to meet, before a lender will offer your mortgage on this basis.
This is why it is very important to seek advice when considering an interest-only mortgage, we are here to help.
A second home mortgage is a mortgage for buying a second home, including a Holiday home – not to be confused with getting a remortgage or second charge mortgage.
If you are already paying off a mortgage, but wish to buy another home, chances are you will need to take out a second home mortgage.
Of all the mortgage providers offering second home mortgages, you will be faced with stricter criteria in the application.
Generally speaking, in order to get a second home mortgage, you will usually need a larger deposit than what you might have been allowed to have for your first mortgage.
You will go through all the same financial assessments as usual, but the mortgage provider will be extra cautious about lending to you, as it will be more expensive for you to pay two mortgage repayments every month.
Whether you want a second home mortgage, as a new home to live in, or as a holiday home, there will probably be more obstacles than when you tried to get your first mortgage.
Talk to us about your plans and we will advise you of your options and borrowing capacity.
An Offset mortgage allows you to offset savings balances to pay less interest on your mortgage. Think about it, you could pay off your mortgage earlier, saving you thousands of pounds!
Discount, Variable and Base Rate Tracker mortgages may mean your monthly payments will be lower compared to Fixed Rate Mortgages.
Lower payments when you need them most! You could take advantage of some of the lowest mortgage rates around.
Some of our Google Reviews
I cannot recommend them any more highly.
We will definitely be using his services again in the future!
I would highly reccomend Frog Financial to anybody about to embark on the complicated process of house buying and the necessary insurances!
The service felt personal, thorough and genuinely supportive. We ended up with a great deal and a smooth process from start to finish.
Would recommend Frog to anyone looking for a proper, reliable mortgage advisor.
I would highly recommend this firm to anyone one of my friends and family.
Even though our situation changed and we didn’t end up moving forward with the loan, we are grateful for all the help received. Their professional and supportive approach made a difficult situation easier to navigate. We would highly recommend Frog Financial to anyone seeking sound financial advice.
Ruth was also fantastic at following things up for us and keeping us informed of how applications were progressing.
Would definitely recommend Frog to anyone looking for a mortgage or insurance.
Estoy muy agradecido con Danni por su invaluable ayuda, ha sido una gran experiencia.
As FTB, it is a daunting process, with a lot of questions from us on the hows, whens, and whats. Greg made this less so, answering all questions clearly, and helping us to understand things. Not only this, Frog helped us to find the best rate available to us.
Lastly, Greg & Danni helped us to understand which personal insurance policies were best for us, taking the time to explain in layman's terms how each one could benefit us (or not), depending on our needs.
All in all, Greg & Danni have been a valuable part of our mortgage journey, and I would not hesitate to work with them again in the future.
Greg was extremely knowledgable and made a daunting process significantly easier - he was friendly, extremely clear and answered any questions or concerns we had throughout the entire process.
Greg really listened to our circumstances and it was clear he wanted an outcome for us that fit our needs, there was never any sense of trying to upsell or push us towards something that did not fit our needs and we reached an outcome we were extremely happy with.
Greg’s approach was extremely fair and it was clear that Frog Financial is far more interested in building a lasting relationship ship with their clients. I would not hesitate to approach Greg and Frog Financial again and will absolutely be using their services again when we come to our next application!
Would highly recommend to anyone looking for trustworthy and efficient financial advice.
The whole experience has been fantastic, professional, efficient, and stress-free. The member portal is another great addition, making everything even more accessible and straightforward.
I was so impressed that I even told my solicitor to recommend Charley to her clients. If you’re looking for someone who truly goes above and beyond, Charley is the one to trust. 100% recommend!
They have helped us to buy our first home and they were a huge helping hand when we had no idea where to start.
Thank you so much for making the house buying process almost completely stress free.
Highly recommended
The process was smooth and efficient, and Charley made sure I understood exactly what was covered and how the policy worked. She also provided excellent customer service, answering all my questions promptly and with patience.
I highly recommend Charley to anyone looking for reliable insurance advice and support. Thank you for making this process so easy and stress-free!
They were friendly, helpful and really responsive. It really felt they went above and beyond for us (saving us a few extra quid too).
Thank you very much
Will definitely be using them again.
They are quick to reply to any queries via email and on the phone. They provide well informed advice and are exceptionally friendly when answering questions.
I will definitely be using them again in the future!
Contact us for your fee free mortgage consultation
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We offer you initial no obligation consultations. Frog Financial Management will bear the cost of this, where we will: Describe our services more fully and explain the payment options. Gather and analyse personal financial information about you and your aims and objectives. Recommend and discuss any action we think you should take.
Refund of fees
All fees are fully refundable should we be unable to achieve a Lenders Mortgage Offer (as applied for), except in the following circumstances:
Client not proceeding due to own choice. | Client not proceeding due to valuation issues. | Client not proceeding due to property chain issues. |Client non-disclosure of material facts.
Example of fees
for residential mortgages
We typically charge £479,
payable on application.
Standard residential mortgage – £479
Shared ownership and Right to Buy – £524
Product switch – £95
Complex/impaired credit history – £697
Example of fees
for buy-to-let mortgages
We typically charge £479,
payable on application.
Standard Buy-To-Let mortgage – £497
Limited company Buy-To-Let mortgage – £647
HMO Properties/Portfolio landlords*- £679
Product switch – £95
Complex/impaired credit history and non-standard properties – £879
*A ‘Portfolio Landlord’ is defined as client(s) having four or more buy-to-let properties (mortgaged or mortgage free), on completion of this mortgage transaction.
Example of fees
Commercial mortgages
We typically charge £687,
payable on application.
Business Finance – £897
Development Loan – £897
Commercial Mortgage – £687
Bridging Loan – £687
Example of fees
Lifetime mortgages
We typically charge £995,
payable on application.
