Kelvin has now completed two BTL mortgages, the service you receive is first class, highly recommend.
Keith Humphreys
Very impressive service, no messing about with questionnaires. Straight forward and honest appraisal. Thank-you very much Keith for all you did. I will recommend your service to friends and family.
Very helpful & informative with information & answers to questions
Keith was able to explain what my best options were, and wasn’t at all pushy. I’ll definitely be contacting Pinpoint again in the future for all of my Commercial Finance…
Keith was really efficient, great communication and resolved a complicated issue with my mortgage. I would highly recommend his services.
5 Stars!
Pinpoint Finance sorted remortgage for me. It was not easy task as i was in India but Keith on my behalf got things moving and eventually got it done.
A special thanks goes to Keith, whose advice and expertise throughout the process have been nothing short of excellent.
What stood out most was the high level of communication and prompt response times – both of which are crucial when dealing with financial matters.
From start to finish i have been very pleased with the way Keith handled my case. He kept me informed all the way so I didn’t have to worry about…
Fantastic experience with Keith at Pinpoint. I have previously used mortgage brokers and found Keith has taken this business to a different level. Very professional, efficient and so easy to…
Great customer service. Very much appreciated the way Keith helped in pushing things through at each stage to a successful completion.
We look forward to working with Pinpoint Financial Services for many years to come. Thank you again, Keith – wishing you and your team all the very best for the…
Contacted Keith at Pin Point Finance. The call was answered promptly and Keith was friendly and approachable. He listened to my circumstances and gave advice in a way I could…
Excellent. Made the whole process much easier than I thought. Thank you.
Fantastic service very professional halved my Morgage repayments very happy
Have used Pinpoint Finance several times now. Keith and the team once again offered great advice and help throughout. Would highly recommend!
We’ve recently worked with Pinpoint Financial Services for support with buy-to-let mortgages and couldn’t be more pleased with the service provided.
Fantastic service, I highly recommend.
Great service- so quick and very helpful
Keith was always approachable, knowledgeable, and went the extra mile to ensure we had the right products and full clarity at every stage.
Excellent service from Pinpoint. They are very responsive. They are highly knowledgeable and professional but equally they take a very human approach, have excellent people skills and treat you as…
Great service helping to source suitable finance for a complicated portfolio
Keith and his team have done a fantastic job at helping us buy our house. He found us the best mortgage available that suited our budget and did everything he…
Great experience with PinPoint Finance- highly recommend!
Keith was very supportive and helpful especially when we had a bit of complicated issue to sort out. He was on the ball and got it sorted.
Keith has been amazing from our first contact. Listening and advising what was the best deal for me. Really happy with the service and would highly recommend to friends and…
Thinking about re-mortgaging? Need remortgage advice in York or Online?
Remortgaging can be a smart financial move if you’re looking to reduce monthly payments, borrow more, or secure a better deal. At Pinpoint Finance, our expert mortgage brokers in York provide professional advice online to help you find the right deal for your circumstances.
What is a Remortgage and How Can It Benefit You?
A re-mortgage is when you switch from your current mortgage deal to a new one—either with your existing lender or a different one. People choose to re-mortgage for various reasons, including:
✔ Lower Monthly Payments – Secure a better interest rate and reduce your repayments.
✔ Borrow More Money – Release equity from your home for home improvements, debt consolidation, or other major expenses.
✔ Avoid Standard Variable Rates (SVR) – When your fixed-rate mortgage ends, you might move onto a higher interest SVR—re-mortgaging can help you avoid this.
✔ Debt Consolidation – Combine existing debts into one manageable mortgage payment.
✔ Shorten or Extend Your Mortgage Term – Adjust your mortgage term to suit your financial goals.
Our York-based and online mortgage advisors will assess your financial situation and recommend the best re-mortgage options available.
How Much Can I Re-Mortgage For?
The amount you can borrow when re-mortgaging depends on several factors, including:
- Your home’s current market value
- Your existing mortgage balance
- Your income and affordability
- Your credit history
- Lender criteria
We compare deals from high street lenders and specialist mortgage providers to ensure you get a competitive rate that meets your needs.
Re-Mortgage Advice Tailored to You
At Pinpoint Finance, we offer:
- Expert Guidance – Our experienced mortgage brokers break down complex financial terms and explain your options clearly.
- Access to Exclusive Deals – We have access to a wide range of lenders, including specialist lenders not available on the high street.
- Hassle-Free Process – We handle the paperwork, liaise with lenders, and guide you through every step.
- FCA-Regulated Advice – We are fully authorised and regulated, ensuring trust and transparency in every recommendation.
Is Re-Mortgaging Right for You?
Not sure whether now is the right time to re-mortgage? Here are some key signs that you should consider it:
✔ Your Fixed-Rate Term is Ending – Switching before your lender moves you onto a higher SVR can save you money.
✔ You Have Equity in Your Home – If your home has increased in value, you may qualify for better rates or the option to release funds.
✔ You Want to Pay Off Debts More Efficiently – A re-mortgage could consolidate debts into one lower-interest payment.
✔ You Want to Overpay or Reduce Your Mortgage Term – Some lenders allow for more flexibility with overpayments or shorter terms.
FAQs About Remortgaging
On average, a re-mortgage takes 4-8 weeks, depending on your lender and legal processes.
No, you can switch to a different lender if they offer a better deal. We compare multiple lenders to find the most competitive options.
Yes, lenders will assess your credit history and financial situation before approving a new mortgage deal.
Some lenders charge arrangement fees, valuation fees, or early repayment charges. We’ll help you weigh up all costs to ensure a cost-effective switch.
Get Expert Re-Mortgage Advice in York or Online from Anywhere in the UK
Looking for advice on re-mortgaging your home? Whether you want to save money, release equity, or switch to a better deal, Pinpoint Finance is here to help. Our team of experienced mortgage advisers can guide you through the entire process, ensuring you find the most suitable option for your needs.
We understand that every homeowner’s situation is unique, which is why our service is tailored to you, whether you’re based in York, Leeds, Harrogate, Scarborough, or anywhere else in the UK. Our advisers are available for face-to-face meetings or virtual consultations, giving you the flexibility to get the support you need, wherever you are.
Why Choose Pinpoint Finance?
Local Expertise: In-depth knowledge of the Yorkshire property market.
UK-Wide Service: Accessible online, no matter your location.
Tailored Solutions: Bespoke advice based on your individual goals.
Transparent Process: Clear explanations and regular updates.
Request a Callback Today to get started and discover how much you could save by re-mortgaging.
Latest news
Student Let Mortgages in York
A Landlord’s Guide to University Town Investing York is one of the UK’s most compelling university towns…
Business Finance Options for Yorkshire SMEs: Which One Is Right for Your Business?
Running a business in Yorkshire means navigating a competitive and fast-moving economy. Whether you are based in…
Personal Name or a Limited Company Buy to Let?
Personal Name or a Limited Company Buy to Let? Which is Right for You? It’s one of…