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Cleerly can help

With over 15 years of experience, our team of remortgage specialist consultants offer straightforward, jargon-free remortgage advice to people with complex or multiple income streams.

At Cleerly, our specialist team of mortgage consultants want to make the remortgaging process as painless as possible for you.

We’ve already researched the whole of the market for the best remortgage options and aim to find you the one that fits your set of circumstances perfectly – all from reputable lenders, some of whom offer exclusive products only accessible through brokers.

We will also review what your existing lender has to offer to ensure you get the very best advice, regardless of your circumstances.

Call us today on 02394 212 912 or request a call back.

Reasons for remortgaging

Our specialist remortgage consultants can help you if you are looking to:

The go-to remortgage broker

Cleerly's goal is to remove the stress from the remortgage process.

Your expert remortgage consultant will work with you to provide simple clear advice that will help you understand the entire remortgage process, whilst your dedicated client service manager will take care of all the paperwork…so you don’t have to worry about a thing!

Please feel free to call us on 02394 212 912.

Trusted lenders we work with

Your remortgage options

An introductory fixed deal set for a specific number of years (usually 2 or 5) at the start of your mortgage where the interest rate will stay the same throughout. At the end of this period, the lender will move you on to its SVR, which will typically be higher, unless you switch to a new deal.

Each lender sets their own standard variable interest rate. While this rate typically tracks above the Bank of England's Base Rate, it's not mandatory to do so, and the lender can adjust it upward or downward at their discretion. The SVR usually represents the highest interest rate and can shift unexpectedly. There are few circumstances where you would opt for an SVR mortgage deal from the outset; rather, your morgage would move onto a SVR once the fixed, tracker or discount rate preriod comes to an end, unless you've switched to a better deal.

Similar to a tracker mortgage, this introductory rate means you will pay a set percentage lower than your lender’s SVR. For example, if the variable rate was 4%, the lender might offer a 2-year discount of 1%, giving you a payment rate of 3%. Your discount from the SVR is set at outset, but the SVR itself can change, which can have an impact on the rate you pay at any given time. 

A type of variable rate mortgage linked to the Bank of England's base rate. When the base rate goes up or down, so will your mortgage interest. For example, if the Bank of England base rate is low, the amount you pay will be less, as you won’t have as much interest to pay on top of your mortgage repayments. However, if the rate is high, you will have to pay more each month. Similar to the discount rate, you track the Bank of England’s base rate, rather than the lender’s SVR.

Ready to remortgage?

Our specialists will handle all the paperwork while you can be safe in the knowledge that you're getting the best available deal.

Whether you’re looking to get the ball rolling on a remortgage application or you’re just after some friendly advice, don’t hesitate to give us a call on 02394 212912 or request a call-back.

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Remortgage FAQs

  • Remortgaging your property often allows you to secure a better rate than your current deal which can save you money each month.
  • Remortgaging also means you may benefit from reducing your overall term which can often save you thousands of pounds over the term of your mortgage.
  • If you're looking to release some equity in your property for home improvements or consolidating debts, remortgaging is a great way to do this. 

It is possible to remortgage during a fixed term, however you'll probably have to pay an early repayment charge. If your new mortgage deal offers much lower rates, then this may justify switching, but it doesn't always make financial sense to do so, as early repayment charges can be substantial.

Our remortgage consultants can talk you through your options and help explain the pros and cons of remortgaging during a fixed term period.

Yes you can, but it's not always straightforward, which is where a broker such as Cleerly can help. We specialise in assisting clients who have complex incomes to secure competitive remortgage deals.

Here are our expert tips for helping people with complex or multiple incomes secure a remortgage.

  • Identify your income streams: whether it's salary, dividends, bonuses, rental revenue, or other forms, make sure you have clear documentation for each.
  • Seek Specialist Brokers: consider partnering with a specialist mortgage broker familiar with complex incomes, such as Cleerly. We can consolidate your application and connect you to the right lenders.
  • Gather tax documents: collate tax returns, SA302 forms and any other relevant proof of your diverse income.
  • Check your credit score: before applying, review and improve your credit score. Use platforms like Experian, Equifax, or TransUnion.
  • Consider specialist lenders: there are lenders equipped to handle complex mortgage scenarios who might offer better terms than mainstream banks, and will certainly increase the chances of being approved. Cleerly has strong partnerships with many of these lenders, so get in touch today to see how we can help.


Remortgaging can often cost very little, with many lenders offering free mortgage valuations and legal packages during the conveyancing process. However, not all lenders extend these perks and there may be additional costs to factor in, such as the new lender's arrangement fees, your current lender's early repayment charges or deeds release fee.

Our mortgage consultants will meticulously evaluate all these costs to ensure that remortgaging is the right choice for you.

Using a remortgage broker like Cleerly ensures you get the best deal tailored to your needs. Our team understands your unique circumstances and goals, whether you're aiming for a better interest rate, shortening your mortgage term, or accessing property equity for other purposes. With the ever-changing market, our experts stay updated on the latest rates and offers. Contact Cleerly today to find out how we can help you.

Want to discover more about remortgage options tailored to you and your circumstances?