Residential Mortgages

Remortgages in Notting Hill

We assist homeowners in Notting Hill, Holland Park, Bayswater and Ladbroke Grove to review their mortgage and secure new deals that reflect current rates, property values and long-term plans.

Why Remortgage?

Secure a new rate: Avoid moving onto a higher SVR.
Reduce cost: Access sharper pricing or restructure term.
Release equity: Fund major refurbishments or investments.
Change product: Move between fixed, tracker and more specialist options.
Change borrowers: Adjust the names on the mortgage after life changes.

When to Start

Typically, you can secure a new deal up to 6 months before your current rate ends, which is useful in a prime central London market.

Your Options in Notting Hill

Product Transfer: Stay with your lender on a new product.
Remortgage to a New Lender: Move to a lender with sharper pricing or criteria better suited to your property.
Additional Borrowing: Raise capital for structural work, internal reconfiguration or portfolio planning.
Specialist & Private Banks: For higher loan sizes and complex income, via FCA-authorised advisers.

How Lenders Assess a Remortgage

Value & LTV: High-value W11/W2 property valuations and existing borrowing.
Affordability: Income types (salary, bonus, self-employed, rental) and outgoings.
Credit: Payment behaviour and credit utilisation.
Property: Conversions, mansion blocks, short leases or mixed-use elements.

Costs to Factor In

ERCs: Early Repayment Charges on your current mortgage.
Valuation & Legal: Often included in remortgage packages.
Product Fees: May apply to certain rates; we’ll show total cost comparisons.

Step-by-Step: The Remortgage Process

Review: Assess your current loan, property and aims.
Compare: Product transfer vs remortgage options and total cost.
DIP: Get a Decision in Principle for your chosen route.
Application: Submit documents and instruct valuation.
Offer: Receive mortgage offer; legal work completed.
Completion: New mortgage repays the old one and your new rate goes live.

Raising Funds: Common Uses in W11

High-end refurbishments and interior design projects.
Lease extension costs.
Debt consolidation where suitable.

Complex Income & Bonuses

We help present complex income from City roles, self-employment, dividends and rental portfolios, working with lenders comfortable with these profiles.

Tips to Strengthen Your Case

Maintain a strong credit profile.
Gather full documentation on all income sources.
Check lease length and service charge information ahead of application.

How We Work

We provide clear information and introductions. When advice is needed, we introduce you to an FCA-authorised mortgage adviser to recommend an appropriate remortgage product.

Useful Links

Mortgage Calculator · First-Time Buyers · Buy-to-Let · Contact Us

Remortgage FAQs — Notting Hill

Can I remortgage a flat with a short lease?

It depends on how many years remain. Some lenders have strict minimums; we’ll explore the options based on your lease term.

Will lenders take my bonus income into account?

Many do, especially where bonuses are regular and supported by documentation.

Ready to Review Your Rate?

Talk to our Notting Hill team about your remortgage and next steps. Send an enquiry to get started.

🧮 Mortgage Calculator for Notting Hill Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today - 08005 202 458

Please feel free to complete our form and one of our friendly team will happily contact you.