1. Lets have a chat
We’ll get to know you, understand your plans and goals, and answer any questions you have.
Remortgages
Is your mortgage still working for you?
Whether your current deal is coming to an end, you’re looking to reduce your monthly payments or borrow more, we’ll help you explore your options and find the right solution.
Is this the right place for me?
Your mortgage shouldn’t be something you forget about until the renewal letter arrives - but it very often is for most of us.
Reviewing your mortgage regularly could save you money, give you more flexibility or help you achieve your next financial goal. We’ll explain your options clearly and help you decide what’s right for you.
This page is for you if…
- Your fixed-rate mortgage is coming to an end.
- You’re already on your lender’s Standard Variable Rate.
- You’d like to reduce your household monthly payments.
- You’re looking to borrow more for home improvements or another purpose.
- You’re wondering whether a better deal is available.
- You simply want to know what your options are.
How we help
What does the process look like?
2. Review your current mortgage
We’ll assess your existing deal and explore your options.
3. Find the right mortgage
We’ll search the market and recommend the most suitable solution.
4. We manage your application
We’ll handle the paperwork and keep everything progressing smoothly.
5. Enjoy your new deal
Relax knowing your mortgage is working for you again.
Why Choose Erskine Financial?
Clear advice, real conversations and support that stays with you from first question to final decision.
- 01Local People.Based in Edinburgh, helping buyers all across Scotland (and beyond!).
- 02No Jargon.We explain things properly, not in mortgage adviser language.
- 03Whole of Market Advice.Access to hundreds of mortgage products from a wide range of lenders.
- 04Start-to-Finish Support.From your first viewing until you collect the keys, we’re with you all the way.
- 05Hundreds of 5-Star Reviews.Real clients. Real experiences. Real results.
Common Questions
Find answers to common questions.
When should I start looking for a new mortgage?
It is usually worth reviewing your options around six months before your current deal ends. Starting early gives time to compare products and prepare an application without drifting onto a lender’s standard variable rate unnecessarily.
Can I remortgage before my current deal ends?
Yes, and many mortgage offers remain valid for several months. We’ll check when a new deal can start and weigh any early repayment charge against the potential benefit of switching sooner.
How much could I save by remortgaging?
That depends on your current rate, remaining balance, term, property value and the fees attached to a new mortgage. We’ll compare the total cost of staying with your lender against the available alternatives.
Can I borrow more when I remortgage?
Potentially, subject to affordability, available equity and the lender’s criteria. Additional borrowing might be used for home improvements, debt consolidation or another purpose, but we’ll explain the costs and risks before making a recommendation.
Do I need a solicitor?
A solicitor is normally required when you remortgage to a different lender because the legal charge over the property must be changed. Some lenders include a standard legal service or cashback towards your own solicitor.
How long does a remortgage take?
A straightforward remortgage often takes four to eight weeks, although legal work, valuations or complex circumstances can extend the timescale. Starting early helps the new deal begin when your current one finishes.
Will switching lenders affect my credit score?
A full mortgage application normally leaves a search on your credit file and can cause a small temporary change. We’ll avoid unnecessary applications and recommend a lender only after checking that the case is a suitable fit.
Ready to review your mortgage?
Whether your current deal ends next month or next year, we’ll help you understand your options and find the right mortgage for your next chapter. Book your free chat today.
