Remortgage

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Remortgaging Made Simple

Is it time to switch your mortgage? Let’s help you make the right move.

Remortgaging can be a smart way to reduce your monthly payments, secure a better deal, or even release funds from your property. But timing is key – and knowing the right steps to take can save you thousands.

We’re here to guide you through it.

Listen to our top tips on remortgaging

When Should You Consider Remortgaging?

There are several reasons why remortgaging could make financial sense:

1. Your current deal is ending
Most fixed-rate mortgage deals last two to five years. Once that ends, you’re usually moved onto your lender’s standard variable rate (SVR) – which is often higher. We recommend starting the remortgage process 3 to 6 months before your deal ends.

2. Interest rates have dropped
If rates are lower now than when you first took out your mortgage, switching could reduce your monthly repayments – even after accounting for any early repayment charges.

3. Your property’s value has increased
If your home has gone up in value, your loan-to-value (LTV) ratio may have improved. That could mean access to more competitive mortgage rates.

4. You want to borrow more
Looking to release equity for home improvements, debt consolidation, or an investment? Remortgaging could allow you to raise funds against the value of your home.

5. Your financial situation has changed
Whether your income has increased and you want to pay off your mortgage sooner, or your circumstances have shifted and you need to reduce your payments – a remortgage could help.

6. You’re not happy with your current lender
If your current lender’s service or rates aren’t working for you, switching could offer better value or a more flexible product.

Why us?

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Friendly, expert
mortgage advisers

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We work with
dozens of lenders

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Access to
competitive rates

How to Remortgage: Step-by-Step

Here’s what the remortgaging process typically looks like:

1. Check your current deal
Look at when it ends and whether there are any early repayment charges or exit fees.

2. Review your finances
Lenders will assess your income, outgoings, and credit history. It’s worth getting your finances in order and checking your credit score.

3. Compare mortgage deals
Shop around – or speak to a broker – to find the best rates and terms for your needs.

4. Get an Agreement in Principle (AIP)
This shows how much a lender might be willing to offer and helps you move forward with confidence.

5. Gather your documents
You’ll typically need payslips, bank statements, ID, and details of your current mortgage.

6. Apply and wait for approval
Your lender may carry out a valuation of your property. Once approved, they’ll arrange to pay off your old mortgage and transfer you onto the new deal.

Need Help With Your Remortgage?

Whether you’re looking to save money, release equity, or simply switch to a better deal, we’re here to make the process simple and stress-free.

Speak to us today for honest advice, clear options, and a mortgage solution that suits your goals.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

CONSOLIDATING DEBT MAY REDUCE YOUR OUTGOINGS NOW, HOWEVER YOU MAY PAY MORE INTEREST OVER YOUR MORTGAGE TERM

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We’re passionate about service, that’s why we’re with you every step of the way

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Convenient appointments

We understand life can be a little hectic at times, that’s why we make convenient appointments to suit you.

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No Obligation Advice

Our initial chat is free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend.

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Mortgages To Suit You

No matter your circumstances, we are here to get the right mortgage for you.

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With You All The Way

As a responsible Mortgage broker, we want your mortgage to always be a great fit for you. So when it’s time to review it, we will be here to help.

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At Your Side

We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience.

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Protecting What Matters

We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

Whether looking for mortgage, protection or insurance, we’re here to help

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Mortgages

With access to hundreds of products, we’ll help you secure the right product tailored to your circumstances.

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Protection

Family is important; get the expert advice you deserve to help protect what matters, when it matters most!

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Insurance

We’ll search through a range of policies to find the one that is most suitable from our range of insurers.

Our mortgage process, and what to expect from us

Step 1 : The introduction

We start by getting to know you and your requirements. Here we assess your incomings, ongoings and setting a budget.

Step 2 : Product match

We work and source the mortgage from a comprehensive panel of lenders which is representative of the whole of the market to find the lender and product for you.

Step 2 : Lender agreement

Next up we provide you with an agreement in principle from the lender and then submit the mortgage application for you.

Step 4 : Completion time

Finally, we complete the relevant paperwork and guide you through the remainder of the process until completion.