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Remortgaging can be a great way to cut your monthly costs if by doing so you can improve the interest rate that your are being charged. It can also release equity from the property. It may be that you are dissatisfied with your current lender and want to redeem your mortgage in favour of a new one with a different provider.

You may want to keep your existing mortgage and obtain a second mortgage which would involve a second charge on your property. Either way you will need your lawyer to advise you on the legal ramifications.

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