Switching your mortgage is easier with Sentinel Financial. We offer tailored solutions and expert support to secure competitive deals across the UK.
Sentinel Financial helps clients across the UK remortgage confidently, securing competitive deals that match their goals.
Whether you want to save money, shorten your term, or release equity for home improvements, Sentinel Financial makes remortgaging straightforward.
A remortgage is when you switch your current mortgage to a new deal, either with your existing lender or a new one. This can help you:
Note: Your home or property could be repossessed if you do not keep up repayments on your mortgage or other loans secured against it.
Simply put, a mortgage is a loan used to buy a property. It’s typically repaid over 25 to 30 years, although some lenders offer longer terms. Because the loan is secured against the property, your home could be repossessed if you fail to keep up with repayments.
The amount you can borrow depends on several factors, including:
If you’re a first-time buyer, you’ll likely choose a repayment mortgage. This means each monthly payment covers both the interest and part of the loan amount. By the end of your mortgage term, provided all payments are made, you’ll own your home outright.
When it comes to rates, your Loan to Value (LTV) ratio plays a big role. This simply shows the ratio of equity you own in a property. For instance, a 5% deposit gives you a 95% LTV, while a 10% deposit means 90% LTV.
You can choose from Fixed Rate, Variable Rate, Base Rate Tracker, or Offset mortgages, depending on what suits your budget and goals.
Considering a remortgage can be a great opportunity to take control of your finances. You might lower your monthly payments by taking advantage of the best remortgage rates, shortening your term to pay off your mortgage faster, or switching to a fixed-rate remortgage for added stability.
It’s also a smart way to release equity for renovations, investments, or debt consolidation, or to remortgage with the same lender if loyalty rates work in your favour.
For some, it’s also the right time to switch mortgage lenders and access new products that better suit current goals. Whatever your reason, Sentinel Financial is here to guide you through every stage.
Understanding your credit profile is an important first step before applying for a mortgage as it helps to understand how lenders see you. Your credit report highlights your financial history, any missed payments, and factors that may affect your application.
Reviewing it early lets you correct inaccuracies, improve your score, and move forward with clarity.
Let’s explore how much you could borrow, mortgage options, and start shaping your first mortgage plan. Contact us now for an initial review.
As an experienced mortgage broker for first-time buyers, we’ll ensure your application process is smooth, transparent, and aligned with your goals.
From application to moving day, we’ll handle the details and paperwork so your home-buying journey feels smooth and stress-free.
Access a wide range of lenders, from high-street names to niche specialists, so you’re never limited to one-size-fits-all deals
We break down complex terms and explain in a clear, simple way, helping you make confident, informed decisions every time.
Here’s proof that our advice and service truly deliver, with experiences from clients who found clarity, confidence, and results with Sentinel Financial.
From start to finish, Zie has provided an outstanding bespoke mortgage service. He is professional, thorough and incredibly knowledgeable. Every step of the mortgage process was clear, well communicated and stress-free.
When I was searching for my new home Zie was an incredible help throughout the entire process. He guided me from start to finish, helping me understand and offering valuable advice during the process.
Zie made the whole mortgage process effortless. He explained everything clearly, kept me updated at every stage, and found us a fantastic deal. I couldn’t recommend him highly enough!
I’ve dealt with a few brokers before, but Zie really stands out. He’s professional, approachable, and genuinely cares about getting the best outcome for his clients. The remortgage was stress free from start to finish.
Working with Zie was a breath of fresh air! He made everything easy to understand, kept communication clear, and went above and beyond to get our mortgage sorted quickly. Highly recommend Sentinel Financial.
As a portfolio landlord buying through a limited company, I needed a broker who knew what they were doing. Zie’s knowledge of lender criteria and company structuring was spot on. He saved me time, money, and a lot of stress, highly recommended.
I arranged both life and income protection through Zie, and I’m so glad I did. He made the whole process straightforward, and I now feel confident that if anything unexpected happens, my family and finances are protected.
We’re here to help whether you have questions, need advice, or want a quote.
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