Is this you?
Every situation starts with a different story.
Your current mortgage deal is ending
And you want to understand your options before moving onto your lender's standard variable rate.
You want to reduce or restructure your borrowing
Perhaps your circumstances have changed and you want to review your mortgage term, monthly payments or overall structure.
You want to borrow more
For home improvements, another financial commitment or another purpose that needs to be considered alongside your mortgage.
You are wondering whether to stay or switch
And want to compare a product transfer with your existing lender against remortgaging to another lender.
How Verion helps
We understand what has changed
We start with a conversation about your current mortgage, your circumstances and what you want your mortgage to achieve now, not what you needed several years ago.
We shape the right solution
We explore the available options, including staying with your current lender through a product transfer or considering a remortgage with another lender, where appropriate. We explain the differences clearly so you can make an informed decision.
We make the review easier
We look at the wider picture: interest rate, fees, mortgage term, monthly payment, early repayment charges and overall cost, rather than focusing on one headline rate.
We stay connected
A mortgage review should not happen only when something goes wrong. We stay connected and help you review your mortgage as your life, property and financial needs evolve.
Your remortgage journey
We start with where you are today
We review your existing mortgage, current deal, remaining term and what has changed since it was arranged.
We understand what you want next
Lower monthly payments, a different term, additional borrowing, greater flexibility or simply certainty for the years ahead.
We explore your options
We compare staying with your existing lender against suitable remortgage options available elsewhere.
We make the switch easier
If you decide to proceed, we support you through the application, valuation and mortgage process through to completion.
The next review starts with the relationship
Your needs will continue to change. We stay connected so your mortgage can be reviewed again when the time is right.
Things worth knowing
A product transfer with your existing lender may sometimes be worth considering alongside remortgage options.
Product fees, valuation costs, legal costs, incentives and the mortgage term can all affect the overall position.
Reducing monthly payments by extending the term may increase the total interest paid over time.
The timing of your mortgage review can therefore matter.
Your home may be repossessed if you do not keep up repayments on your mortgage.