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Remortgaging in Northern Ireland – Get a Better Deal on Your Home

Switch to a Better Mortgage Rate - Personalised Remortgage Solutions

If your current mortgage deal is coming to an end or you’re exploring ways to save money on your monthly payments, speak to the team at Tyrone Mortgages. We provide expert advice and guidance on remortgage deals, helping you find the best deal for your needs, whether you’re sticking with your current lender or switching to a different lender.
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Your Home May Be Repossessed If You Do Not Keep Up Repayments On Your Mortgage

What is a remortgage and how does it differ from a regular mortgage?

If you’re paying your lender’s standard variable rate, you could be missing out on a better rate. At Tyrone Mortgages, we specialise in helping homeowners across Northern Ireland remortgage their current home, whether it’s to lower their monthly outgoings, fund home improvements, or consolidate debt.
The remortgaging process involves switching your existing mortgage to a new deal, either with your current lender or a new lender. We’ll assess your mortgage balance, property value, and current loan to value ratio to help you access the best remortgage rates available. Even if you have bad credit, we may be able to help.
We also consider factors like interest rate type (fixed rate vs variable rate), potential exit fees, and legal fees, so you have a full understanding of the cost involved. You’ll get clear advice on how remortgaging works, and how it could positively affect your finances.
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Borrow up to 95%

Get on the property ladder with as little as a 5% deposit.

Choice of 70+ Lenders

Access exclusive deals from a wide networth of trusted lenders.

Fast Decision-Making

Receive quick, clear decisions to keep your homebuying journey moving.

Same Day and Out of Hours Appointments

We work around your schedule - book a time that suits you, even evenings.

Should You Remortgage? Let’s Talk

You don’t need to be a first time buyer to benefit from expert support. If your current deal is ending, or you simply want to release more money from your property, our advisers can help you understand how much you could borrow, what kind of mortgage products suit your situation, and what’s best for your account overall.

 

We’ll review your income, credit commitments, and overall mortgage details to find the most suitable path forward.

Lower Your Monthly Payments and Save Money

One of the main reasons people remortgage is to reduce their monthly payments. If your fixed rate period has ended, you may now be on your lender’s standard variable rate (often significantly higher). This could mean you’re paying more than necessary.
Our experienced mortgage advisers will look at your current mortgage, assess your income, property value, and remaining loan amount, and compare the remortgage rates available across the market. Even a small drop in interest can save you thousands over time.
We’ll take into account all associated fees, including exit fees, legal fees, and any valuation costs, so you get a clear view of your options. Our goal is to find a new deal that lowers your repayments without compromising on flexibility.
And if you’re concerned about bad credit or your financial history, don’t worry! We have access to lenders and mortgage products that cater to a wide range of credit situations.
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Discuss Your Remortgaging Options

Speak to Sean Brogan today at Tyrone Mortgages Today
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Use Your Remortgage to Consolidate Debts​

A remortgage can be a helpful way to consolidate debt, allowing you to combine other debts, like credit cards or personal loans, into your new mortgage. By doing so, you may be able to reduce your monthly outgoings and bring all your credit commitments into one manageable payment.

 

However, it’s important to consider the long-term implications. While monthly payments may reduce, you could end up paying more in interest over the full mortgage term. That’s why it’s essential to seek expert advice before proceeding.

 

At Tyrone Mortgages, we’ll assess your account, calculate what you could borrow, and explain the pros and cons based on your personal finances. We’ll also ensure the remortgaging process runs smoothly and efficiently, even around bank holidays and tight schedules.

 

Whether your goal is to be mortgage free sooner or simply free up money for the short term, we’ll help you make an informed decision.
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Release Equity for Home Improvements

If you’ve built up equity in your property, a remortgage can help you release more money to invest back into your home.

 

We’ll guide you through a full mortgage application with a new lender or current lender, depending on which offers the best deal. You’ll receive tailored support on how to structure your loan, how much you can borrow, and what mortgage requirements you’ll need to meet.

 

With our help, you can complete your project with confidence, knowing your repayments are manageable and your future financial position is secure. We’ll also introduce you to a protection adviser, if needed, to help safeguard your investment.

 

Let Tyrone Mortgages help you turn your property dreams into reality with less stress and more clarity.

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