Category: Remortgage

Increase in remortgage activity.

Northern Ireland’s remortgage activity surged in February 2026, driven by a wave of maturing fixed-rate deals and easing mortgage rates. With regional house prices leading UK growth at nearly 6% annually, homeowners are leveraging equity to secure competitive new products as lenders battle for business.

There was a 12% rise in remortgage instructions in February according to the LMS.

The most popular main aim when remortgaging was to lower monthly payments, cited by 28% of borrowers. The survey by the conveyancing firm says 42% of borrowers increased their loan sizes in February. Popular reasons for increasing mortgage loans was home improvements and to consolidate more expensive debts to a cheaper mortgage rate.

46% of those who remortgaged took out a five-year fixed-rate product, which was the most popular product last month. 45% opted for 2 year fixed rate products. Borrowers are unconvinced about pending rate reductions despite mortgage lenders factoring this in with lower interest rates.

Get in touch with a local Mortgage Advisor for the best remortgage solutions

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Expert Mortgage Review Service for Northern Ireland Homeowners

Is your NI mortgage deal ending soon? Lock in 2026’s best rates before they change. Expert advice for Co-Ownership & remortgaging. Book your free NI review now!

Is your current mortgage still the best deal for you. With NI house prices remaining resilient in 2026 you could have more equity in your home than you think. A mortgage review could save thousands. Lenders are competing strongly with each other to attract new mortgage customers. Many however have not reduced their standard variable rate to existing mortgage customers.

Why NI homeowners need an annual mortgage review.

  • Beat the SVR. Avoid paying your lenders costly standard variable rate.
  • Local lender access. NI specific deals from lenders like Progressive Building Society and Danske Bank.
  • Staircase your Co Ownership. Learn if now is the right time to buy a larger share of your home.

Contact Best Mortgage Services for the cheapest remortgage rates. Book a free mortgage review and find out how much money you could save. An initial chat could save you a lot of time and money.

Book a free mortgage consultation.

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Best remortgage deals

 

Remortgage

Is your mortgage deal expiring? Avoid costly Standard Variable Rates by switching now. With Northern Ireland’s property market evolving, homeowners can secure new deals up to six months early. Compare the latest offers from top lenders to lower your monthly payments and lock in long-term stability for your home.

RemortgageChoosing a lower interest rate and deciding to remortgage could save you thousands. A local mortgage broker will research all the deals on offer. Use their experience and expertise to compare the fees and interest rates on all the remortgage deals.

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By submitting this form you agree to being contacted by a regulated mortgage broker to assist with your query. Your details will not be sold to any third party and will not be used for future marketing purposes.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt that is secured on it.

Why Remortgage

A key advantage of using a local mortgage broker is that they will keep in touch with you when your existing deal is about to expire. You should never pay the lender’s higher standard mortgage rate and will always be informed about the best remortgage deals.

A Mortgage Advisor will manage your application from start to finish – saving you time and money.

The information provided on this website is for information and guidance purposes only and does not represent financial advice. Financial advice is provided by our partner advisers who are regulated by the Financial Conduct Authority.

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