Coming Off Your Fixed Rate?
Don't Let Your Mortgage Cost You Thousands More
Switch to a better remortgage deal and lock in competitive rates before your current deal ends. Expert brokers. Real savings. Complete process handled for you.
Why Remortgage with Gabims Financial?
Expert Timing Guidance – Most homeowners miss critical remortgage windows. We monitor your deal end date and proactively connect you with competitive rates 6 months before expiry—avoiding expensive Standard Variable Rate (SVR) traps that could cost you hundreds monthly.
Access to 50+ Lenders – Unlike dealing directly with your bank, we shop around to competitive lenders. This means better rates, exclusive products, and deals you won't find on the high street.
Seamless Switch Process – From application to completion, we handle the heavy lifting. No stress, no surprise fees—just clear communication and expert guidance every step of the way.
Real Savings, Not Promises – On average, our clients save £2,400-£4,800 annually by switching to a better remortgage rate. We show you the exact numbers before you commit.
Flexible Options for Your Goals – Whether you want to lower monthly payments, shorten your mortgage term, release equity for home improvements, or consolidate expensive debts—we find the remortgage solution tailored to your circumstances.
Our Simple 3-Step Remortgage Process
Step 1: Tell Us About Your Mortgage (5 mins)
- Current mortgage balance & remaining term
- Current interest rate & deal end date
- Property value & any equity you own
- Your goals (better rate, lower payments, release cash, consolidate debt)
Step 2: We Shop & Compare (2-3 days)
- We access rates from 50+ lenders
- Identify the best deal for YOUR circumstances
- Show you exact monthly savings & all fees upfront
- Zero obligation—you review everything before deciding
Step 3: We Handle the Rest (4-8 weeks)
- Complete application & property valuation
- Manage all lender communication
- Review legal paperwork
- Switch seamlessly with zero break in cover
Your result: Locked-in rate. Lower payments. Complete peace of mind.
The Remortgage Trap: Don't Fall Into It
Your current fixed-rate deal will end. When it does, two things happen:
1. Your lender automatically moves you to their Standard Variable Rate (SVR)—which is typically 2-3% higher than competitive market rates. On a £250,000 mortgage, this could cost you £300+ more every month.
2. You have limited time to act. Lenders take 4-8 weeks to process remortgages. Start searching just 2 weeks before your deal ends, and you might miss better rates or face rushed decisions.
2025 is critical: Thousands of UK homeowners are coming off historically low fixed rates from 2020-2022. Waiting is costly—every month on an SVR costs you money you could save.
Frequently Asked Questions
What if I'm still within an early repayment charge (ERC)?
Don't panic. We calculate whether the ERC cost + new deal fees still result in net savings over your remaining mortgage term. Often, staying and waiting for ERC to expire costs MORE than paying the charge and remortgaging now.
When should I start the remortgage process?
Begin 6 months before your current deal ends. This gives you time to compare rates, lock in the best deal, and avoid your lender's expensive SVR. Most lenders allow rate locks 3-4 months in advance, so early action pays off.
Can I remortgage if my credit score is poor?
Yes. While your credit score influences rates, remortgage lenders typically focus more on current affordability and property equity than new mortgage lenders do. We can often access lenders willing to work with you. Rates may be higher, but options exist.
Will remortgaging affect my credit score?
Slightly, yes—but temporarily. A mortgage application triggers a hard credit inquiry, which dips your score by 5-10 points initially. However, making regular payments on your new remortgage rebuilds your score quickly and improves your credit history.
What's the difference between remortgaging with my current lender vs. switching?
Staying with your current lender = Faster process, potentially no valuation fee, simpler paperwork. Switching lenders = Access to better rates, exclusive products, and true competition. We compare both to find YOUR best option.
How long does a remortgage take?
Typically 4-8 weeks from application to completion. This includes application, property valuation (1-2 weeks), legal work (1-2 weeks), and lender underwriting (1-2 weeks). We expedite where possible and keep you updated.
Will remortgaging reset my mortgage term?
Not necessarily. You choose your new term length. You can remortgage for the same remaining term, shorten it, or extend it—whatever suits your financial goals. We help you decide.
What fees do you charge as a broker?
We charge no upfront broker fees—we're paid commission by the lender you choose. Our job is to find YOU the best deal, not the deal that pays us most. Full transparency, always.
I'm worried about rates rising further. Should I remortgage now?
If your current deal is ending, YES. Locking in a fixed rate today protects you from future rises. If your deal still has 1-2 years left, it depends on your circumstances—but delaying remortgage usually costs money. Get a free consultation to see your options.
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