Remortgaging Advice

Better rates. Smarter borrowing. Less hassle.

Whether you’re coming to the end of a deal, looking to reduce your monthly payments, or considering releasing equity, we’ll help you review your options clearly and choose the right next step for your situation.

Your first call takes as long as you need. There is no pressure and no obligation.

No obligation, just clear advice

★★★★★

Independent client reviews

Read independent reviews from clients we’ve helped across the UK.

Who is this for?

Remortgaging can be a good option if you already own a home and want to improve how your mortgage works for you.

Many homeowners speak to us when their fixed rate is coming to an end or when they want to take a more proactive approach to their mortgage. Our role is to assess whether remortgaging makes sense now, explore the full range of available options, and help you move forward with a clear plan.

This includes:

Homeowners approaching the end of a fixed rate and want to review their options early
Looking to reduce monthly payments or restructure existing borrowing
Considering releasing equity for a specific purpose, such as home improvements or debt consolidation
Unsure whether remortgaging is the right move, or whether an alternative solution may be more suitable

At Haupt & Co, we understand that the challenge isn’t simply finding a new mortgage. It’s understanding how lenders will view your circumstances, what options genuinely make sense, and how each decision could affect you in the years ahead. We take the time to explain everything clearly, so you can move forward feeling informed, confident, and in control. If you’re self-employed, see how we help with self-employed mortgages.

Haupt & Co is a whole-of-market mortgage broker, FCA regulated, specialising in simple & complex lending.

What we'll cover in an initial conversation:

No obligation - just straightforward guidance, tailored to your situation.

Most of our clients are referred to us by existing customers

What Our Clients Say

      
   Haupt & Co
   18 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Andrew Kingston 
 
 
 
 Trustindex verifies that the original source of the review is Google. Haupt & Co are nothing short of amazing when it comes to mortgages! They really know their stuff, they keep you up to date every step of the way, they also provide service with a smile, which is hard to find these days!

I’d highly recommend them to anyone 😀👍🏼
  
 
      Posted on Google  
   
   Courtney Jaehme 
 
 
 
 Trustindex verifies that the original source of the review is Google. I received a fantastic service from Haupt & Co - they made the whole mortgage process as stress-free as possible from start to finish. So helpful, knowledgeable and responsive, always taking the time to explain everything clearly and find the best deal for us. Couldn't recommend them highly enough, thank you so much for all your help!
  
 
      Posted on Google  
   
   Vic Saunders 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful, understanding and knowledgeable
  
 
      Posted on Google  
   
   Richard Jaehme 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have used Haupt & Co for a number of remortgages now, Ed and his team always manage to beat the competition, when I cross-check their deals. Their customer service is excellent. I've also used them for life insurances, and Nick is fantastic at what he does. All of the team bring a very common-sense approach to their work, and they make things happen quickly. I would highly recommend.
  
 
      Posted on Google  
   
   Jack Walsh 
 
 
 
 Trustindex verifies that the original source of the review is Google. Can't recommend Ed, Nick and Steph at Haupt & Co highly enough. I've used them a number of times now - across both my residential mortgage and my rental - and the service has been spot on every time. They take the stress out of what can be a genuinely daunting process, explain everything in plain English, and always come back to you quickly. If you need a mortgage broker in Bristol, these are the people to call.
  
 
      Posted on Google  
   
   V R Heal 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed has helped me with a number of mortgages, buy to lets and residential. He is great to work with, really helpful and great advice. Would highly recommend.
  
 
      Posted on Google  
   
   Tom Luke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed and Stef have been fantastic throughout the remortgaging of our house after a fixed term ended. They made it as stress free as possible and were completely clear about what was needed at every step as we went through.

I have already recommended them to friends and family and will continue to do so!
  
 
      Posted on Google  
   
   Jacob Flurry 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed at Haupt & Co has been great every time my mortgage is up for renewal or if I have general financial queries in the property market.
Always keeping me up to date with the best rates with my application and making the whole process as stress free as possible.
  
 
      Posted on Google  
   
   Paul Infanti 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed and the team were amazing from start to finish. They recently helped us with our remortgage and are now arranging a mortgage for our daughter as well.
Having access to the whole market really makes a difference, and the advice and process were completely seamless throughout.
We can’t recommend them highly enough — 5⭐ plus!
  
 
      Posted on Google  
   
   Claire Adams 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed has always been very knowledgeable on all different mortgages be it residential ,hmo , btl , commercial , which having a diverse portfolio is exactly what I require . Also prompt with mortgage applications and updates  while the mortgage proceeds. Always very happy to use this company .😊

How it Works

At Haupt & Co, we take care of the detail and guide you through each step:

We review your current mortgage and terms
We assess your income, outgoings, credit and wider goals
We search the whole of the market to compare suitable lenders and available options
We explore whether releasing equity makes sense
We manage the switch through to completion
We provide you with ongoing support

Our role is to make reviewing your mortgage simple and worthwhile – helping you secure a solution that fits your circumstances today, while keeping your longer-term plans in mind.

Remortgaging FAQs

No two situations are the same. These are some of the questions we’re asked most often.

When should I consider remortgaging?

It is usually best to start reviewing your mortgage around 3–6 months before your current deal ends or if your circumstances change. This gives enough time to explore options, secure a new rate in advance, and avoid moving onto a higher standard variable rate. We’ll help you decide whether switching, staying put, or restructuring is the right move.

Is it possible to reduce my monthly payments?

Often yes, depending on your balance, term, and interest rate options.

Will my current lender offer me the best deal?

Sadly not always. Loyalty rarely guarantees the best rate – Having a Mortgage Broker review the whole market for you will allow you to consider all your options and choose what you feel is best for you.

Can remortgaging help me become mortgage-free sooner?

Yes. Adjusting your term or overpayment options can reduce interest over time. We will help you structure your mortgage so that you can meet your goals.

Can I release equity?

Yes, in many cases. If your property has increased in value or your mortgage balance has reduced, you may be able to release equity for home improvements, investments, or other purposes. We’ll assess whether this is suitable, explain the future impact, and help you structure it responsibly.

Why is it worth reviewing my mortgage even if my rate seems fine?

Because a mortgage that once worked well may no longer be the best fit as your circumstances change. Income, property value, interest rates and future plans all evolve over time. Reviewing your mortgage allows you to check whether the structure, flexibility and overall cost still make sense – not just whether the rate looks competitive on paper.

Will it affect my credit score?

Remortgaging can involve a credit check, which may cause a small, temporary impact on your credit score. However, this is usually minimal and short-lived. We take a careful approach, checking eligibility before applying to ensure your credit profile is protected.

Remortgaging Advice

Better rates. Smarter borrowing. Less hassle.

No obligation, just clear advice

★★★★★

Who is this for?

Remortgaging can be a good option if you already own a home and want to improve how your mortgage works for you.

This includes:

Haupt & Co is a whole-of-market mortgage broker, FCA regulated, specialising in simple & complex lending.

What we'll cover in an initial conversation:

No obligation - just straightforward guidance, tailored to your situation.

Most of our clients are referred to us by existing customers

What Our Clients Say

How it Works

Understand

Research & Advice

Apply

Support

Remortgaging FAQs

Make Your Mortgage Work Harder

Don’t wait for your lender to decide your next rate.

No obligation - just clear, supportive advice