(Explore Better Rates, Reduce Monthly Payments, or Release Equity)
Request a Callback from a Local Remortgage Specialist to review your current deal and explore whether switching lenders could save you money or give you more flexibility.
*Initial consultations are always free. If fees apply for mortgage arrangements, they’ll be discussed transparently.
You’ll get more than just comparison rates – you get real, human advice from people who care.
Hi, I’m Natalie Ellis — founder of Steel City Mortgages and a proud Sheffield local with over 22 years’ experience helping homeowners like you make smart moves with their mortgage.
Whether your fixed term is ending, you’re looking to release equity, or just want a better deal, we’ll give you honest, personalised advice that fits your goals — not a lender’s agenda.
From comparing rates to handling paperwork and chasing lenders, we take the stress off your shoulders — so you can focus on life, not mortgage admin. We know how personal your home is — and we treat your remortgage like it’s our own.
Best text ever !!!!
A long standing client of ours where the application first time round wasn’t without its complications, we did it.
Our client’s next remortgage required the flexibility to overpay and the plan if applied would be that the mortgage would be paid off very quickly.
Guess what ?! Our client did just that 🙌🏽🙌🏽🙌🏽
Remortgaging means switching your existing mortgage to a new deal — with your current lender or a new one. It can bring real financial benefits – if done right. Our expert team helps you avoid costly mistakes and get the best deal.
Reasons to consider remortgaging include:
Keep in mind: while remortgaging can offer better rates or flexibility, it may also come with early repayment charges, valuation fees, or legal costs—especially if you’re switching lenders. We’ll help you assess all fees before you commit.
We ensure you borrow within your means and understand all costs. Plus, we only suggest capital-raising if it fits your long-term financial health.
Our team will assess your current mortgage, circumstances, and goals to advise on the most cost-effective solution. Don’t guess – get clear, friendly advice from Sheffield-based specialists who know the market inside out.
Need to free up cash for a big expense? Many clients also remortgage to:
Feeling overwhelmed? Let us simplify the remortgage process for you — here’s how it works:
We review your current mortgage, interest rate, loan-to-value (LTV), lender terms, fees, and expiry date to see if switching could benefit you.
We tailor the advice based on what matters most to you.
We search across high street banks, specialist lenders, and exclusive deals to find your best remortgage options.
Fixed, tracker, interest-only, offset — we’ll explain the pros and cons of each based on your income, property, and goals.
Once you’re happy with the deal, we help you apply, liaise with lenders, and provide support throughout the legal process.
For all of your mortgage needs, trust Steel City Mortgages to provide the support and expertise necessary for a successful mortgage journey
Once approved, your solicitor will finalise the switch. You’ll start your new mortgage on the agreed date — and enjoy any savings!
Absolutely. We specialise in challenging cases and know which lenders are flexible!
Unsure Where You Stand? Get Trusted Remortgage Advice Today
Your current lender might offer you a new deal — this is known as a product transfer. But is it the best on the market? We compare both:
We work with you to understand your full financial picture. Then we find lenders who are likely to offer the amount you need.
Don’t hesitate to call or leave us a message! We’ll get in touch ASAP.
You can usually lock in a new deal up to 6 months before your current mortgage ends. Acting early helps you:
We’ll remind you when it’s time to review your mortgage again — so you never miss a chance to save.
Want the best rates and more choice? Here’s how to strengthen your profile:
Access a wide range of options
Our free mortgage advisor-matching service guarantees you will be matched with a mortgage advisor who will offer advice from a wide range of lenders. This means you can feel confident of being offered a robust selection of mortgage solutions available to meet your specific needs.
While we love helping first-time buyers, our expertise doesn’t stop there. When life changes, we’re still here for you:
Avoid taking on new credit, missing payments, or waiting too long to start the process. Don’t assume your current lender is offering the best deal—always compare options. Watch for early repayment charges if you’re still within a fixed term.
Yes, if your current deal is ending or you’re on a high variable rate, remortgaging could save you money. Rates change often, so securing a new deal early can help avoid higher repayments. We can check if switching now makes financial sense for you.
Yes. Although many lenders offer free legal support for remortgages, a solicitor is still needed to handle basic legal checks and transfer work. We’ll let you know if any extra legal steps are needed for your situation.
You might face fees like arrangement charges or early repayment penalties if switching too early. Variable-rate deals could lead to higher repayments if interest rates rise. We help you weigh the costs and benefits before making a move.
Not usually—many people save money by locking in a better rate. Costs like fees and charges can apply, but we compare the total deal to make sure it’s worth it. The right remortgage should improve your financial position, not harm it.
Lenders assess your income, expenses, credit score, and current property value. They also look at your loan-to-value (LTV) ratio and affordability. A stable financial situation and home equity can unlock better remortgage deals.
With access to high street lenders, building societies, and specialist providers, we offer more than what’s available on comparison sites.
Whether you’re staying with your current lender or switching, we help you choose a deal that works for you — not the bank.
For any enquiries or to get started, please complete the form below.
Steel City Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
There may be a fee for our advice. The exact amount will depend on your circumstances but it is estimated to be £599 and will not exceed £999.
Registered Office: Steel City Mortgages Ltd, 134 Archer Road, Unit 8, Sheffield, S8 0JZ.
Registered Company Number: 10977724 Registered in England & Wales’
By clicking this link: You are now leaving the website of Steel City Mortgages & we cannot be held responsible for the content of this external website.
For any enquiries or to get started, please complete the form below.
Steel City Mortgages Ltd is an appointed representative of Stonebridge Mortgage Solutions Ltd., Regency House Miles Gray Road Basildon Essex SS14 3FR, which is authorised and regulated by the Financial Conduct Authority.
Our Financial Services Register number is 454811. Stonebridge Mortgage Solutions Ltd.’s permitted business is advising on and arranging non‐ investment insurance and mortgages.
You can check this on the Financial Services Register by visiting the Financial Conduct Authority’s website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768. The Financial Conduct Authority is the independent watchdog that regulates financial services.
If you have a Complaint We hope that you will never have cause to complain but if you do and you wish to register a complaint, please contact our network: In writing: Stonebridge Mortgage Solutions Ltd. Regency House Miles Gray Road Basildon Essex SS14 3FR By telephone: 0345 646 5535 By email: complaints@stonebridgegroup.co.uk.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. To contact us for any other reason, please call 0345 646 5505.