Residential Mortgages

Remortgages in Chelsea

We help homeowners in Chelsea, South Kensington, Fulham and along the River Thames to review their current mortgage and secure new deals aligned with their long-term plans, especially as fixed rates come to an end.

Why Remortgage?

  • Secure a competitive rate: Avoid falling onto a higher SVR.
  • Restructure borrowing: Adjust term or product to manage cashflow.
  • Release equity: Fund high-end refurbishments, investments or other projects.
  • Change product type: Move between fixed, tracker and more bespoke solutions.
  • Change borrowers: Reflect relationship or ownership changes.

When to Start

Many Chelsea clients begin planning their next deal up to 6 months before the current one expires, especially for larger or more complex loans.

Your Options in Chelsea

  • Product Transfer: New deal with your current lender, often straightforward.
  • Remortgage to a New Lender: Switch lender for better rates, criteria or product features.
  • Additional Borrowing: Raise funds for refurbishments, lease extensions or investment purposes.
  • Specialist & Private Banks: For higher loan sizes or complex income structures, via FCA-authorised advisers.

How Lenders Assess a Remortgage

  • Property Value & LTV: High-value SW3/SW10 properties and borrowing level.
  • Affordability: Salary, bonuses, investment income and outgoings.
  • Credit History: Conduct on all credit commitments.
  • Property Type: Leasehold, freehold, short leases or riverside developments all have specific lender criteria.

Costs to Factor In

  • ERCs: Early repayment charges if changing before your current rate ends.
  • Valuation & Legal: Often provided free on remortgage products.
  • Arrangement Fees: May be payable but can sometimes be added to the loan.

Step-by-Step: The Remortgage Process

  1. Review: Assess current mortgage, end date, goals and any upcoming changes.
  2. Compare: Product transfer vs alternative lenders and total cost.
  3. DIP: Obtain a Decision in Principle with your chosen route.
  4. Application: Submit documentation and instruct valuation.
  5. Offer: Lender issues a new mortgage offer; legal work is completed.
  6. Completion: New mortgage completes and repays your existing loan.

Raising Funds: Common Uses in SW3

  • Interior redesign and high-spec refurbishments.
  • Lease extensions and freehold purchases.
  • Debt consolidation where appropriate.

Complex Income & High-Value Loans

We help present income from multiple sources—salary, bonuses, company dividends, rental portfolios or overseas earnings—to lenders experienced with higher-value borrowing.

Tips to Strengthen Your Case

  • Ensure all credit commitments are up to date.
  • Gather comprehensive documentation on income and assets.
  • Check lease details and service charges in advance for leasehold properties.

How We Work

We provide clear, unbiased information and introductions. When full mortgage advice is required, we introduce you to an FCA-authorised adviser who can recommend a suitable remortgage solution.

Useful Links

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

Remortgage FAQs — Chelsea

Can I remortgage a prime central London property with a large loan?

Yes, subject to criteria. Some mainstream lenders and private banks specialise in larger loans.

Will lenders consider my bonus and investment income?

Many will, particularly at higher income levels, if it can be evidenced reliably over time.

Ready to Review Your Rate?

Talk to our Chelsea team about remortgage options tailored to your property and income profile. Send an enquiry to begin.

🧮 Mortgage Calculator for Chelsea 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 - 0800 520 2457

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


Scroll to Top