Advice on your Help to Buy loan and what to do when it's time to remortgage
Remortgage Only
You can opt for a simple remortgage, which involves switching your current mortgage to a new lender or product. This doesn't affect your Help to Buy loan, which remains separate.
Remortgage & Repay
You can choose to remortgage and repay the Help to Buy equity loan, either partially or in full. This could give you more equity in your home, but it may require a valuation and could involve fees.
Sell & Move
You can sell your property and move, which would involve repaying the Help to Buy equity loan from the proceeds of the sale. This option frees you from the loan entirely but may involve additional costs such as estate agent fees and stamp duty on your next purchase.
