Regularly rethinking your mortgage

Whether you need advise on releasing equity from home improvements or debt consolidation, upsizing or applying for a remortgage, we offer the knowledge you need to make informed decisions or secure a more competitive rate.

Call us on 01403 270006 or contact us for a free no‑obligation chat

What will my monthly payments be?

Planning ahead? Making a property purchase? Use this mortgage calculator for an indication of what your monthly repayments could be.

Our system automatically calculates the amount of money you will be required to repay each month on your mortgage based on the information you provide. This information varies depending on factors such as the interest rate charged, the amount of deposit you pay and length of your mortgage term. We recommend you also speak to us to get a more precise figure. We have the experience to guide you through the mortgage application process, asking the appropriate questions that we know are important to lenders. This will give you a more accurate estimate of your monthly mortgage costs.



Our mortgage calculators give you an idea of what you could borrow and how much it will cost to repay based on the information you provide. This information is only a guide and we advise you to seek advice from a qualified mortgage broker such as Private Wealth Mortgages before making any decisions.

Getting a precise loan or repayment amount will depend on a range of factors, including: your income, monthly outgoings, the amount of deposit you have, your age, personal employment situation and credit score.

Remortgaging is important when managing your investment in property and can form part of a wider strategy for building or maintaining your wealth.

Although many people wait until the fixed term of their existing mortgage expires, it’s worth reviewing your rates and repayment terms regularly to find out if you would benefit from changing your home loan.

Reasons you may want to re-mortgage include:

  • Raising capital for home improvements
  • Taking advantage of lower interest rates with another lender or product
  • Your current mortgage fixed term has come to an end
  • Your circumstances have changed and you would like to alter your payment terms
  • You want to move or purchase another property
  • You’d like to switch to a fixed or variable rate, depending on your current financial situation and stability

At Private Wealth Mortgages, we advise you on the best course of action when it comes to your remortgage and financial goals. Our expert mortgage advisers look at a range of criteria related to your individual circumstances to determine how you would benefit from changing your mortgage. This can include increasing or decreasing the amount your repay, switching to a fixed, variable, repayment or interest-only mortgage, and helping you release equity.

We work with clients throughout their lifetime, assisting with their first time buyer mortgage, remortgaging as they progress up the property ladder and retirement planning including equity release. For you, this means we gain a better insight into your own personal circumstances – where you are now and where you want to be in the future. So rather than simply providing you with a list of rates and lenders, we take the time to get to know you and offer a strategy that helps you live the life you want.

There may be times when severe debt, missed credit card payments or poor financial management reduces your chances of securing a mortgage or manageable repayment terms. If this is the case, you’ll be pleased to know we offer discreet, honest and impartial guidance on how you can move on, renegotiate or re-mortgage with bad credit.

Whatever your reasons for remortgaging your property, our experts will assess your entire financial situation. That includes the amount you are currently paying, how long it will take you to pay down your loan, any plans you have for the future and the risks you might face along the way.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

You can call us on 01403270006 to discuss remortgaging your home.

Our People

Neil Powney

Neil Powney

Mortgage & Protection Adviser

Neil has over a decade of experience as an independent mortgage and protection product adviser, and deals with all aspects of the role. Whether you are a first time buyer or an old hand in the property market, he will work with you to ensure the perfect solution is found.

Mandy Smith

Mandy Smith

Mortgage & Protection Adviser

Mandy started her career working for Nationwide, and brings 25 years of experience to help her clients achieve their plans and goals. Mandy has accumulated an impressive portfolio of happy clients who always return for more help with their lending, as well as regularly recommending her services to their own networks.

Jenny Tunnicliffe

Jenny Tunnicliffe

Mortgage & Protection Adviser

Jenny joined the team in August 2016 after taking a career break to travel the world. She hit the ground running, working closely with Salli and her clients while also developing relationships with introducers to the company. Jenny deals with all aspects of mortgage and protection advice, and is already receiving recommendations from clients she has helped.

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Comments from our Clients

Throughout the whole process your team have been nothing but outstanding. A pleasure to deal with in every regard.

–Chris and Alastair, Bracknell

Next Steps

Find out more about your options and the home buying process.

Learn more

Call our expert mortgage advisers today

01403 270006 Contact us now


Registered in England & Wales, no 5603163
Private Wealth Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FCA Number: 445980

Private Wealth Mortgages Ltd, Hillreed House, 54 Queen St, Horsham, West Sussex, RH13 5AD

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