Existing homeowners
Mortgages for existing homeowners
Deal ending, plans changing or thinking about your next move? Tony can help you look at your options in plain English.
Talk to TonyAt a glance
- Remortgage or switch your deal
- Borrow for home improvements
- Look at a second property
Pick your situation
Whether your deal is ending, you want to improve your home or you are thinking about a second property, start here.
Learn more →Product transferMove to a new rate with your current lender, and compare it first.
Learn more →Home improvementsExplore further borrowing or remortgaging to fund your plans.
Learn more →Debt consolidationSee whether combining borrowing into your mortgage could ease your monthly outgoings.
Learn more →Second propertyPlan a second home or a buy to let.
Learn more →
How it works with Tony
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Existing Homeowner questions
When should I review my mortgage?
Many people start three to six months before their current deal ends, or sooner if their circumstances change.
Is a remortgage the same as a product transfer?
No. A remortgage usually means moving to a new lender, while a product transfer means taking a new rate with your current lender.
Can I borrow more against my home?
Often, depending on your circumstances and the lender. Tony can talk through what may be possible.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony