Remortgaging shouldn’t feel like a headache but with shifting incomes, changing property values and stricter lending rules, it can sometimes be more complicated than simply hunting for a better rate. With many fixed-rate and introductory deals ending in 2026, now is the perfect moment to get organised, understand your options and take control of your financial future.
At Horizon Lets, we want to make sure you’re prepared. Here are the common hurdles homeowners face and how the right support can help you overcome them with confidence.
1. Reduced Equity
If your property has dipped in value, you might find you have less equity than expected. This can limit your refinancing choices but it’s not the end of the road. A trusted mortgage broker can review your situation and connect you with lenders who offer more flexible criteria or alternative loan structures.
2. Income or Lifestyle Changes
Lenders look closely at your current income, expenses, and overall financial commitments. A new job, fewer work hours, or new outgoings can affect your application. A broker will help you prepare the right documents and pinpoint the lenders most likely to support your circumstances.
3. Credit Score & Existing Debts
Even small changes in your credit profile can shift what lenders are willing to offer. A mortgage broker can help you understand where you stand, suggest simple ways to boost your score, and guide you towards mortgage products that suit your financial situation.
4. Finding the Perfect Mortgage Fit
With so many mortgage products on the market, it’s easy to feel overwhelmed. Brokers compare deals daily, helping you find the one that works best for your future whether that means a better rate, lower fees, or features tailored to your goals.
Don’t Leave It Too Late
Waiting until your current deal expires can lead to unnecessary stress and potentially higher costs. Take action early and give yourself the advantage.
At Horizon Lets we can refer you to a trusted mortgage broker who will provide a free, no-obligation mortgage review. They’ll walk you through every step, from assessing your current loan to helping you refinance smoothly and confidently. Ready to get started?
Get in touch with Horizon Lets today — we’re here to help you plan ahead and stay in control.
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