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Remortgage & Property Strategy

Thames Mortgage & Protection

Your mortgage should work for you — not against you.

📉 Secure a Better Rate

  • • Product ending soon?
  • • Moving onto lender SVR?
  • • Looking to reduce monthly payments?

We review the whole market — not just your current lender.

🏠 Repay Help to Buy

  • • Clear your equity loan
  • • Avoid rising interest charges
  • • Refinance into standard mortgage

We guide you through valuation & lender criteria.

🏡 Shared Ownership → Full Ownership

  • • Staircasing support
  • • Increase ownership percentage
  • • Move to full mortgage structure

Structured correctly to protect affordability.

🔄 Let-to-Buy Strategy

  • • Keep current home as rental
  • • Purchase larger family property
  • • Structure deposit release efficiently

Complex cases handled smoothly.

💷 Equity Release / Capital Raise

  • • Release funds for home improvement
  • • Support family deposit
  • • Debt consolidation
  • • Business or investment use

Always assessed responsibly and suitability-focused.

🏢 Limited Company Buy-to-Let

  • • Tax-efficient property investment
  • • SPV structure guidance
  • • Director & shareholder advice
  • • Portfolio landlord options

Ideal for higher-rate taxpayers & long-term investors.

🕌 Islamic / Sharia-Compliant Mortgages Available

  • • Home Purchase Plans
  • • Ijara & Diminishing Musharaka structures
  • • No interest-based lending
  • • Ethical & compliant solutions

Specialist lenders available subject to criteria.

🧠 Not Sure Which Route Is Right?

Every restructure affects:

  • Monthly payments
  • Long-term interest cost
  • Tax position
  • Exit flexibility

We analyse your full position before recommending a strategy.

Book Your Mortgage Review

Strategic advice. Structured solutions.
Clear direction before you commit.

Thames Mortgage & Protection

FCA Regulated • FRN 1045227

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