This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

Remortgage Hotline call now 0117 313 7780

1.22% 2 Year Fixed 

  • Overall cost for comparison 3.80% APRC

Representative Example:Mortgage of £120,000 on property valued at £200,000 over term of 25 years.Rate fixed for 2 years after which reverts to Post Office variable rate of 4.24%.

Call Post Office on 0808 179 6813

2.29% 5 Year Fixed 

  • Overall cost for comparison 3.90% APRC

Representative Example:Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to Yorkshire Bank variable rate of 4.70%.

Top Up Mortgage

Looking to top up your mortgage?

Need additional finance?

Fair Mortgages can provide you with a first class mortgage service to look at your finance options. 

Special features of what we offer include:

  • Whole of market service - we cover most UK lenders
  • Great Rates - Access to leading market rates
  • Exclusive Deals - Access to exclusive remortgage deals not available on high street
  • Fast turnaround - call us if you need to move fast!
  • Raising additional finance - If you are looking to top up on your existing mortgage we will look at all your finance options as well as remortgaging.

To investigate your remortgage options call our specialist team on 0117 313 7780 or fill in our call back form. 

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. With the recent changes (long overdue) to the mortgage industry, the message from the Regulator and lenders to the UK public is to get professional advice.

As your mortgage is such an important transaction, good advice is imperative.

Right Bullets

Top up mortgage

The term ‘top up’ mortgage may refer to the process of remortgaging, with either the same lender or another one to borrow more money by increasing the size of your mortgage.

Remortgaging

It’s possible to remortgage a property, with either the current lender or a different one in order to borrow more upon it, providing the borrower has enough necessary equity within the property to do so. Equity is the portion of the property that the borrower owns out right; they could accumulate equity in various ways such as through their monthly remortgage repayments, assuming they are on a capital and interest repayment mortgage. Another way a borrower may have gained equity is if the value of their property has significantly increased in value since they took their mortgage out.

This means that when remortgaging a borrower could take out a larger mortgage to borrow more, essentially trading some of their equity for money. The money generated through remortgaging to raise capital can be used for any means. However, it is important to remember that taking out a larger mortgage will increase the amount of time it takes to pay off a mortgage; it may also increase the size of the monthly mortgage payments. Borrowers should also consider any arrangement fees or exit and early repayment charges they may need to pay in order to remortgage.

Before remortgaging

There are a wide range of mortgages on the market, so it is wise to shop around to try and find the option that fits your specific needs best as well as offers a competitive deal. You may also want to consider other options than remortgaging; such as for smaller amounts taking out a personal loan, which is a type of borrowing not secured against your property.

Mortgage adviser

Borrowers thinking about remortgaging may benefit from using the services on an independent mortgage adviser, in addition to being able to provide impartial advice, an adviser who offers a whole-of-market service can use their professional knowledge of the industry to search across a selection of mortgages from different providers to try and find the most suitable products for their clients, there are also certain mortgages which are only available through an intermediary.

To find out if Fair Mortgages could help you, fill in the online contact form to request a call-back at a time which suits you, for a free initial consultation from an adviser. Alternatively you can call directly on: 0117 313 7780

house icon

Call 0117 313 7780 or Request Callback

For a FREE initial conversation about your mortgage options complete our short enquiry form.

request call back

Please confirm your details

Extra information

The optional information below will help us to contact you

Our Services