Mortgages

Remortgage

Switch to a better mortgage deal. We compare rates across 130+ lenders to find savings, raise capital, or consolidate debts with a smooth switching process.

Better Rates

Time to review your mortgage?

If your fixed rate is ending, you are on your lender's standard variable rate, or you simply want to explore what is available, remortgaging can save you hundreds of pounds each month. The mortgage market moves constantly, and better deals may be available now than when you last fixed.

Doulton Bridging Finance searches across 130+ lenders to find the most competitive remortgage rates for your circumstances. Whether you want a straight rate switch, need to raise capital, or want to consolidate other debts, we handle the entire process from search to completion.

130+

Lenders Compared

Free

Valuations Available

Fast

Switching Process

Capital

Raising Available

Why Doulton

Everything you need for a seamless remortgage

Rate Comparison

We compare rates across 130+ lenders to find a deal that saves you money. Whether you are on your lender's SVR or approaching the end of a fixed term, we find better options.

Capital Raising

Release equity from your property for investments, business funding, or other purposes. We find lenders offering competitive rates for capital raise remortgages.

Debt Consolidation

Consolidate higher-rate debts into your mortgage for lower monthly outgoings. We assess whether consolidation genuinely saves you money over the full term.

Home Improvements

Raise additional funds against your property to finance renovations, extensions, or improvements that add value to your home.

Smooth Switching

We manage the entire switching process, from application through to completion, ensuring a seamless transition between lenders with no gap in your mortgage cover.

All Borrower Types

Employed, self-employed, contractors, company directors - we find remortgage options that work for your income type and circumstances.

The Process

How it works

Review Your Current Deal

We look at your existing mortgage terms, remaining balance, any early repayment charges, and your objectives to determine the best time to switch.

Market Search

We search across 130+ lenders to find the most competitive remortgage rates for your loan size, LTV, and circumstances.

Application and Valuation

We handle the full application process. Many remortgages qualify for free valuations and free legal work through the new lender.

Seamless Switch

Once the new offer is in place, we coordinate the switch so your new mortgage starts the day your old one ends. No gaps, no double payments.

Find out how much you could save

Get a free, no-obligation remortgage comparison. Our team searches 130+ lenders to find the best rate for your circumstances.

Get a Quote Check Your Options

FAQs

Frequently asked questions

What types of UK mortgage can Doulton arrange?

Residential, buy-to-let, portfolio, limited-company BTL, HMO, commercial, semi-commercial, high-value, private bank, expat, interest-only, second-charge and specialist adverse-credit mortgages. We work across the whole of market.

How much can I borrow?

Residential borrowing is typically 4-5.5x income depending on the lender and profile. Buy-to-let lending is sized on rental income against stress-tested interest cover ratios. High-value lending and private bank cases are assessed holistically on wealth and serviceability.

What is the minimum deposit?

Residential mortgages typically need 5-15% deposit. Buy-to-let usually requires 20-25%. Specialist, high-value and expat ranges often require 25-40%. Larger deposits unlock better rates across every product.

Can I get a mortgage with complex income or adverse credit?

Yes. Self-employed, contractor, commission-based, bonus-reliant and multi-currency incomes all have specialist lender homes. Borrowers with recent defaults, CCJs, DMPs or historic bankruptcy can also be placed, with pricing reflecting the risk profile.

How long does a mortgage application take?

Straightforward residential applications reach offer in 2-4 weeks. Specialist, high-value and expat cases typically take 4-8 weeks. Conveyancing and exchange after that is driven by your solicitor's speed.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.