Additional Information

At Tickford Mortgages, we do more than just calculate how much you can borrow — we provide personalised, expert support throughout the entire buying or selling process.

Whether you’re considering moving home, upsizing, downsizing, or even staying put and exploring options like remortgaging to fund home improvements, our experienced advisers in Newport Pagnell and Milton Keynes are here to help.

Choosing whether to move house or stay in your current property is a big decision — and we’re here to walk you through the pros and cons of each. At Tickford Mortgages, our job is to give you a clear breakdown of the costs, implications, and available mortgage options, so you can decide what’s best for your circumstances.

We’ll explore key questions such as:

• What are the real costs of moving? (estate agent fees, stamp duty, solicitor fees, surveys, removals)
   
• How much could you afford to borrow for your next home?
   
• Could you achieve the space or features you want by extending your current home instead?
   
• What are your likely monthly repayments based on current interest rates?
   

Understanding your monthly budget, deposit, and financial limits is crucial when making any big housing decision. We also factor in the running costs of your future property — from council tax bands to energy performance.

Our mortgage advisers are based locally in Newport Pagnell and have in-depth knowledge of the Newport Pagnell & Milton Keynes property market, allowing us to provide relevant, realistic, and practical guidance.

Whether you want to speak over the phone or via video call, we’ll take the time to understand your goals and walk you through all your mortgage options — no jargon, no pressure.

Your home may be repossessed if you do not keep up repayments on your mortgage.

 Remortgage Advice in Newport Pagnell & Milton Keynes

At Tickford Mortgages, we make the remortgaging process simple and stress-free. Whether you’re in Newport Pagnell, Milton Keynes, or the surrounding areas, our expert mortgage advisers are here to help you find the most competitive deal that suits your needs and helps you make the most of your money.

Remortgaging means switching your existing mortgage to a new deal – either with a new lender or by staying with your current lender but choosing a different product. With interest rates, property values, and personal circumstances constantly changing, it’s important to review your mortgage regularly to ensure it continues to work for you.

Homeowners in Newport Pagnell and Milton Keynes choose to remortgage for a variety of reasons, including:

• Your current fixed or tracker deal is ending and you’re about to move onto your lender’s standard variable rate (SVR), which is usually more expensive.
   
• You want to reduce your monthly payments due to increased living costs or new financial commitments.
   
• You’re looking for payment stability by switching from a variable to a fixed rate.
   
• You’ve received a lump sum and want to pay off part of your mortgage to reduce the term or monthly costs.
   
• You need to release equity for home improvements, debt consolidation, or other personal goals.
   

Remortgaging offers a number of ways to take control of your mortgage and improve your finances:

• Extend your mortgage term to lower monthly payments and free up extra cash.
   
• Reduce your mortgage term to become mortgage-free sooner and pay less interest over time.
   
• Switch to a better deal with improved interest rates or product features.
   

Whether you’re in Newport Pagnell town centre, surrounding villages, or anywhere across Milton Keynes, our local mortgage advisers will guide you every step of the way:

We’ll assess your full financial picture – income, expenditure, credit commitments, and future goals. We’ll ask for documents such as payslips, bank statements, and proof of ID/address.

Once we understand your situation, we’ll recommend the most suitable product and obtain a Decision in Principle (DIP). After your application is submitted, the lender will assess it and carry out a valuation.

If approved, you’ll receive a formal mortgage offer. Once legal work is completed, your new mortgage will begin. If you're repaying a Help to Buy loan, we’ll guide you through the extra steps involved.

In some cases, remortgaging may not be suitable:

• If you have a small mortgage balance, the cost of switching may outweigh the savings.
   
• A change in financial circumstances (e.g. unemployment, recent self-employment) may impact eligibility.
   
• If your home’s value has fallen, your loan-to-value (LTV) may be too high for a competitive deal.
   
• You may already be on an excellent rate – though it’s still worth reviewing to stay competitive.
   

At Tickford Mortgages, we’re proud to support the local community in Newport Pagnell, Milton Keynes, and surrounding areas with honest, friendly, and expert mortgage advice.

Whether your fixed deal is ending, you're looking to raise funds, or you simply want to make sure your mortgage is still competitive – get in touch today and we’ll guide you through your remortgage options.

Your home may be repossessed if you do not keep up repayments on your mortgage.