Can I remortgage on a Buy-to-Let property?
Absolutely. Many landlords remortgage to access equity, secure better rates, or expand their portfolios.
Can I remortgage if my home has gone down in value?
Yes, but your loan-to-value (LTV) may be higher, meaning fewer deals and potentially higher rates. An adviser can help you explore the best options.
When is the best time to remortgage?
The best time is usually 3-6 months before your current fixed term ends. This allows enough time to secure a new deal, and avoid higher payments when moving onto your lenders Standard Variable Rate (SVR).
How much does it cost to remortgage?
It depends on your situation, but common costs include arrangement fees, legal fees, valuation fees, and sometimes Early Repayment Charges (ERCs). Our advisers can assist in calculating your likely costs vs. the potential savings.
How quickly can I get mortgage advice in London?
We know time is important in a fast-moving market. Our London team can provide initial guidance promptly and work with you to move your application efficiently, keeping you informed every step of the way.
Do you only work with UK residents?
No, we also assist international clients looking to buy property in London. Our advisers can guide you through UK mortgage options, plus advise on specific income and lender requirements.
What specialist mortgage services do you offer?
Our London mortgage advisers specialise in a wide range of specialist mortgage services to meet your unique needs: Later Life Lending: Tailored solutions for clients over 55, including equity release and retirement interest-only mortgages. Expat mortgages: Expert advice for expatriates looking to purchase property in the UK, navigating the complexities of international income and tax […]
Do you charge for mortgage advice?
We’ll always be transparent with you. We may charge a fee for the advice we provide; this fee will be dependent upon your personal circumstances and will be agreed with you after we have fully understood your requirements. Any fee is payable upon successful completion of your transaction, unless agreed otherwise.
Are SPF mortgage advisers independent?
Yes – and that’s important. Being independent means we’re not tied to one lender. Instead, we search the whole market to find the mortgage that’s right for you, not just what’s easiest for the bank.
What can a mortgage adviser in London help me with?
Our London team can support you with everything from your first residential mortgage to remortgaging, Buy-to-Let investments, or more specialist options like expat or self-build mortgages. We’ll guide you through the process step by step so you can make confident decisions.