Yes — remortgaging works the same way as a purchase, with the right lender assessing your current day rate rather than requiring accounts. Coming off a fixed rate is a good moment to review the whole market, since your circumstances and the products available may both have changed.
On a full remortgage to a new lender, yes — it assesses your current contract and structure. That's usually straightforward, and often positive if your day rate has risen. Where your income shape has temporarily become harder to place, a product transfer may avoid a full reassessment.
At remortgage the lender assesses your current rate, so a higher day rate flows straight into your assessed income. A lower rate or a gap is read in context. Either way, the remortgage reflects where you are now, which is worth planning the timing around.
A product transfer (a new rate with your existing lender) is simpler and may avoid a full income reassessment; a remortgage to a new lender opens the whole market and can be cheaper or release equity. Which serves you better is a case-by-case comparison we run for you.
Yes — a remortgage can raise additional borrowing against your equity, assessed on your contract income like any contractor mortgage. Common reasons include home improvements or consolidating other borrowing; the affordability and purpose are assessed as part of the application.
At remortgage the lender assesses your current position, so a status change since you last borrowed is reflected. If you've moved inside IR35, choosing a lender that assesses the gross contract value protects your borrowing. We place the remortgage accordingly.
