Remortgages in Derby, Derbyshire & Across the UK

Call our team : 01332 300 300

Thinking about remortgaging?

See how much you could save. Whether you want to reduce monthly payments, release equity, or consolidate debt, Mortgage & Finance Arena has been helping Derby homeowners and clients across the UK secure the right remortgage deal for years.

Our expert, FCA-regulated advice is designed to make the process simple and compliant. Join thousands of homeowners who’ve already secured better rates through our whole-of-market service.

Calculate Remortgage Savings – Free Calculator Shows Results in 60 Seconds

Our free calculator compares your current mortgage against live rates from 50+ UK lenders. See your potential monthly savings instantly.

Use Our Free Remortgage Calculator

Book a Free Consultation

Why Remortgage Your Home?

Everyone’s circumstances are different, but most people should consider remortgaging for these key reasons:

Your Current Deal is About to End

The best mortgage deals tend to only last a short period of time. It’s always wise to reassess your mortgage when your fixed rate is due to expire. There are plenty of deals available, and moving to your lender’s Standard Variable Rate (SVR) typically costs significantly more.

You Want a Better Rate

If you want to reduce the amount of interest you’re paying on your loan, remortgaging may be the answer. We’ll help you calculate whether a remortgage will improve your finances by comparing your current deal against today’s market.

You’re Looking to Raise Capital

Whether you’re getting married, need a new car, want to invest in a business opportunity, or need funds for other life events, we can help you finance your dreams while still building for the future. Remortgaging can free up those vital funds at typically lower rates than personal loans.

You Need Money for Home Improvements

Many customers use funds from a remortgage for major home projects like:

Home extensions
New kitchens or bathrooms
Loft conversions
Garden renovations
Energy efficiency improvements

You Want to Consolidate Debt

If you have debt spread across numerous credit cards or loans, you may wish to consolidate everything into your mortgage, meaning just one monthly payment. This can significantly reduce your total monthly outgoings. Read our guide: Should I use my mortgage to pay off my debt?

Switch Rate Types for Stability

Move from a variable or tracker rate to a fixed rate for payment stability and peace of mind, especially in uncertain economic times.

Fund Business Needs

Access capital for VAT bills, tax payments, or business investment at residential rates. See our Commercial Finance Services.

To speak to a member of our team call 01332 300 300

Book an appointment

Our Simple 5-Step Remortgage Process

Learn more about why use a mortgage adviser when remortgaging.

Learn More

Free, No-Obligation Consultation

We’ll discuss your current mortgage, goals, and calculate your potential savings.

Compare Deals from 50+ Lenders

We search exclusive rates from the whole market, including specialist providers not on the high street.

Personalised Advice for Your Situation

You’ll receive a clear report showing the best options with a full breakdown of costs and potential savings.

Application Managed from Start to Finish

We handle all the paperwork, valuations, and lender negotiations on your behalf.

Regular Updates and Support Throughout

You’ll get clear updates from your dedicated adviser until your new mortgage completes.

Working with thousands of lenders to find the right fit…

It starts right here...

We love to hear from you, give us a call, or fill in our contact form so we can see where you’re at. The more details the better!

One of our advisers will then find out about what you’re looking to do, discuss your options and answer any questions you may have.

Your adviser will search through thousands of lenders.

Your adviser will find the best option for you and help you arrange things.

Your Local Derby & East Midlands Remortgage Experts

While we serve clients nationwide across the UK, our heart is in Derby. Based at 12 Melbourne Business Court, Millennium Way, Pride Park, we have deep knowledge of the East Midlands property market. From our Derby office, we regularly help clients in Nottingham, Leicester, Chesterfield, Sheffield, Burton-on-Trent, Belper, Ashbourne, Ilkeston, and Mansfield, as well as homeowners across Derbyshire and the UK.

Why Choose a Local Broker?

Face-to-Face Advice: Meet your adviser in person at our Derby offices for a truly personal service. Same-day appointments often available.
Local Market Knowledge: Our understanding of Derby, Derbyshire, and East Midlands property values helps ensure smoother applications and better valuations.
Regional Lender Access: We have strong relationships with building societies and lenders who prioritise applications in Derby, Nottingham, Leicester, and the surrounding areas.

Specialist Remortgage Services

We have the expertise to help, no matter your circumstances.

Poor Credit Remortgages: If you have CCJs, defaults, or missed payments, we can help. We work with specialist lenders who look at your whole situation. Learn more about our Poor Credit Mortgage Solutions.
Buy-to-Let Remortgages: Whether you have one property or a large portfolio, we can find competitive rates for Buy-to-Let mortgages.
Self-Employed Remortgages: As experts in mortgages for the self-employed, we know how to present your income from one year’s accounts, or as a contractor or director.
Equity Release: If you’re over 55, you could release tax-free cash from your home. We offer fully regulated advice on Equity Release Mortgages. Read our Equity Release Q&A for more information.
Debt Consolidation Remortgages: Specialist advice on consolidating multiple debts into your mortgage. We’ll show you the full cost comparison before you proceed. Read our guide on using your mortgage to pay off debt.

Frequently Asked Questions

We recommend starting the process 3 to 6 months before your current deal expires. This allows plenty of time to secure a new rate and avoid moving onto your lender’s costly Standard Variable Rate (SVR).

Yes, this is called a ‘product transfer’. While it can be simpler, it’s often not the best deal available. As whole-of-market brokers, we’ll compare your current lender’s offer against deals from 50+ of other lenders to ensure you’re getting the best possible rate.

This depends on your income, outgoings, equity in your property, and your credit profile. Lenders typically offer up to 4.5 times your annual income, though this can vary. Use our mortgage calculator for a personalised estimate.

Many remortgage products come with incentives like free legal work and a free valuation. We always prioritise finding you a deal with low or no fees. Potential costs can include arrangement fees and legal fees, which we will fully outline for you before you proceed.

A typical remortgage takes between 4 and 8 weeks from application to completion. We manage the process closely to ensure it moves as quickly as possible.

Yes, we specialise in helping self-employed clients remortgage. We work with lenders who understand complex income structures and can often work with just one year’s accounts.

Start Your Remortgage Journey Today

Our FCA-regulated advisers are ready to help you achieve your financial goals. Helping Derby homeowners and clients across the UK since establishment.

Whole-of-market comparison from 50+ lenders
Exclusive rates not available on the high street
No broker fees for standard remortgages
Expert guidance through the entire process
Local expertise serving Derby, Derbyshire, and all East Midlands

Call our Derby team

(Lines open Mon-Fri 9am-6pm, Sat 9am-4pm)

Call 01332 300 300

Visit Our Derby Office

Mortgage & Finance Arena Ltd
12 Melbourne Business Court,
Millennium Way, Pride Park, Derby DE24 8LZ

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The guidance to remortgages.

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Can I get a better interest rate by remortgaging?

If you fixed your mortgage and since doing so the rates have been reduced you may be able to get a better deal – we would check if you have any early repayment charges to pay.

What are the costs and fees?

We will always look to get you a mortgage with no or low fees. This may be that you get a free valuation as an example.

How much can I borrow?

This depends on your income and outgoings – we can assess this for you!

Honest opinions from people like you

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.

Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.

If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

Mortgages

Remortgages in Derby, Derbyshire & Across the UK

Thinking about remortgaging?

Calculate Remortgage Savings – Free Calculator Shows Results in 60 Seconds