If you’re:
- Looking for a better rate and the best remortgage deals with no fees
- Want a better mortgage as your income/credit score has improved
- Your existing discount/fixed rate term has come to an end
- Want to release equity for the purchase of another property
- Want to get an ex-partner off the title of your home
- You want to add your new partner to the title of your home
- You want to remortgage to match the term to your retirement plans
- You want a fixed rate because you think rates are going to go up
- Your home’s value has gone up a lot, and this lets you get a better deal
- You want to have the option of overpaying your mortgage, and your existing lender won’t let you
- You want a more flexible mortgage that allows you to offset your savings or take payment holidays
- If you want to keep your existing home and move to another home, you likely will need to change to a buy-to-let mortgage
- Your existing lender has offered you a financial incentive to redeem your mortgage with them and go elsewhere
- You only need a low loan-to-value, and you prefer to invest your money each month, so you want interest-only terms
What is LTI and LTV?
LTI is a loan-to-income ratio, and LTV is a loan-to-value ratio. In 2026, Ravenwood has a lender offering some borrowers 85% LTV, 6x LTI mortgages. The same little-known lender can offer some borrowers 95% LTV and 5x LTI. Ideal for people without big commitments for car finance and credit cards.
What about my income for the best no-fee remortgage deals?
Ravenwood Services have sourced mortgages for people that have been on a salary for a short length of time and they have sourced mortgages and remortgages for people with only one year’s accounts.
- Homeowner Loans Direct Lenders
- Foundation Home Loans
- Halifax Bank Loans
- Loans Secured
- Octopus Bridging Loan Rates
- Can I Get a Mortgage at 60
- Secured Loans With Bad Credit
- HMO Mortgage Lenders
- Bridging Finance Non-Status
- Mortgages For Self Build
- Lloyds Remortgage Rates
- United Trust Bank 2Nd Mortgages
- Best Remortgage Deals
- Central Trust Plc
- HSBC Equity Release Mortgage UK
- Ortus Northern Ireland Instant Bridging Loans
- Mint Bridging
- Bridging Loan HSBC
- Self-Employed Remortgages With 12 Months Accounts
- Precise Mortgages Bridge-To-Let Bridging Finance
- Release Equity NatWest
- Homeowner Loans Bad Credit
- Can I Get a Mortgage at 60
- Alternative Bridging Corporation
- Pepper Second Mortgages
- Remortgage Before End Of Fixed Term
- Lloyds Bank Interest Only Lifetime Mortgage
- Buy To Renovate Mortgage
- Masthaven Loans Reviews
- Amicus
- Vida Secured Loan Rates
- Equity Release Under 55
- Lloyds Bank Loan Rates
- Homeowner Loans Direct Lenders
Bad Credit Loans No Guarantor Online
If you want to remortgage with bad credit, the lenders expect the brokers to charge a fee to cover some costs.
Secured Loans
Metrobank Secured Loan
NatWest Bank Secured Loan
No Broker Fees Secured Loans
HSBC Bank Bridging Loans
Co-operative Bank Secured Loan
Halifax Secured Loan
Bank Secured Loan
Lloyds Bank Secured Loan
Unsecured Loans For Bad Credit Direct Lenders Only
Mortgages
Non-Status Mortgages
Self Cert Mortgages
Can I Get a Mortgage at 60
Interest Only Buy to Let Mortgages
Remortgages from Ravenwood Services
High Loan-to-Value Buy to Let Property Mortgages
Debt consolidation loans
No Guarantor
Can You Get a Mortgage at 60
Debt Consolidation Loans UK Bad Credit
Remortgages for Over 60s
Best Mortgages for Over 60s
How much can I release?
You can borrow up to 60% of your property’s value. For example, if your house is valued at £300,000, you can borrow £180,000.