Remortgage

Remortgaging your existing Residence or Buy To Let Property can be for a range of different reasons. Explore how we can help with whatever your reasons to remortgage might be.

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Homeowners who are approaching the end of their “Deal Period” with their current lender will start thinking about remortgaging to avoid moving over to a lenders standard variable rate- which might turn out to be quite uncompetitive. We can assist you with this by researching the whole of market to ensure that the new product is on that is competitive and meets your needs going forward.

Remortgaging can also be the right option if you are thinking about raising funds. See the below sections to help you understand remortgages and their purpose.

See Reasons To Remortgage Below

Additional Borrowing

From raising funds to carry out home improvements to consolidating debt, we can help you to find the right remortgage product.

No Additional Borrowing

A remortgage doesn't have to involve additional borrowing, we could just help you to find the most competitive mortgage product for you.

Borrower Change

Following a change in circumstances, even if you need to make a simple change as changing the borrowers we can help you with that and find you a competitive rate at the same time.

End of Fixed Rate

When approaching the end of you deal period, we can scan the whole market to find you the cheapest deal, whether that's with another lender or your existing lender.

Additional Borrowing

From raising funds to carry out home improvements to consolidating debt, we can help you to find the right remortgage product.

No Additional Borrowing

A remortgage doesn't have to involve additional borrowing, we could just help you to find the most competitive mortgage product for you.

Borrower Change

Following a change in circumstances, even if you need to make a simple change as changing the borrowers we can help you with that and find you a competitive rate at the same time.

End of Fixed Rate

When approaching the end of you deal period, we can scan the whole market to find you the cheapest deal, whether that's with another lender or your existing lender.

Additional Borrowing

From raising funds to carry out home improvements to consolidating debt, we can help you to find the right remortgage product.

No Additional Borrowing

A remortgage doesn't have to involve additional borrowing, we could just help you to find the most competitive mortgage product for you.

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Our benefit philosophy is built on giving people everything they need to succeed and providing value in meaningful ways.

Home Improvement Works

Raising the funds to enable you to carry out home improvement works whether that's a new kitchen or a whole new building extension.

Raising a Deposit

If you are thinking of purchasing a Buy to Let property but do not have all or part of the deposit you can raise funds for the deposit through a remortgage.

Gift a Deposit To Family

You can use a remortgage to raise funds to gift to your children or other family members who are trying to get onto the house ladder.

Debt Consolidation

In certain circumstances, a remortgage might be suitable for you to repay your other debts through raising funds against your property.

Change Mortgage Term

Increasing or Decreasing the length of your mortgage can also be done through a remortgage, we will scan the whole market to find you the best deal at the same time.

Interest Only to Repayment

If you are on an Interest Only mortgage and would like to convert it to a repayment mortgage, we can advise you on that and find you the cheapest mortgage product.

Let's Discuss

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If you are thinking of Remortgaging for any of the above reasons please get in contact with us, we will be happy to look at all the options that are available to you before making a suitable recommendation. In any case increasing the mortgage on your home should not be a decision that is taken lightly, being able to afford the new mortgage is critical, as you could lose your home if you do not keep up mortgage payments.

Email Or

01753 463933

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Stage 1: Assessment of current situation & Requirements going forward

It is important that a discussion takes place around your current circumstances and your future goals, this will ultimately determine whether a remortgage is the right solution for you.

Stage 2: Decision in Principle (DIP) / Agreement in Principle (AIP)

As a decision in Principle will (to an extent) take in to account your financial information and usually involve a credit check, this should help to give you the confidence around being approved for the mortgage that you need.

Stage 3: Appoint a Solicitor & Apply for a mortgage

Many mortgage lenders offer a free legal package (on remortgage applications) whereby they will pay your legal/solicitor costs to make the decision to move your mortgage over to them an easier one.

Stage 4: Appoint a Solicitor & Apply for a mortgage

Once the lender has received your mortgage application, they will need go through an underwriting process during which they will assess your circumstances and whether your property is acceptable for them to issue you the mortgage on.

Stage 5: Mortgage Offer

If the lender is happy based on their underwriting of your application, they will issue you with a mortgage offer, outlining the terms upon which they will lend you the money. Your solicitor will also get a copy of the mortgage offer to enable them to prepare for completion.

Stage 6: Completion

This is the final stage of the Remortgaging process. If you are taking on additional borrowing as part of the remortgage then one of the tasks will be for your solicitor to request funds from the mortgage lender and pass the additional monies onto you.

Mortgages- Low Deposit | Self Employed | Poor Credit | Company Buy To Let Insurance- Life | Critical Illness | Income Protection | ASU | Buildings | Contents

Remortgage

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Additional Borrowing

No Additional Borrowing

Borrower Change

End of Fixed Rate

Additional Borrowing

No Additional Borrowing

Borrower Change

End of Fixed Rate

Additional Borrowing

No Additional Borrowing

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Home Improvement Works

Raising a Deposit

Gift a Deposit To Family

Debt Consolidation

Change Mortgage Term

Interest Only to Repayment

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Understand

Advise

Recommend

Implement

Stage 1: Assessment of current situation & Requirements going forward

Stage 2: Decision in Principle (DIP) / Agreement in Principle (AIP)

Stage 3: Appoint a Solicitor & Apply for a mortgage

Stage 4: Appoint a Solicitor & Apply for a mortgage

Stage 5: Mortgage Offer

Stage 6: Completion

Contact Us

Mortgages

Insurance

Contact With Us!

Mortgages- Low Deposit | Self Employed | Poor Credit | Company Buy To Let Insurance- Life | Critical Illness | Income Protection | ASU | Buildings | Contents

Remortgage

Is A Remortgage What I need?

Additional Borrowing

No Additional Borrowing

Borrower Change

End of Fixed Rate

Additional Borrowing

No Additional Borrowing

Borrower Change

End of Fixed Rate

Additional Borrowing

No Additional Borrowing

Some Reasons Why You Might Remortgage

Home Improvement Works

Raising a Deposit

Gift a Deposit To Family

Debt Consolidation

Change Mortgage Term

Interest Only to Repayment

Your Remortgage Needs

Advice Process & Remortgage Stages

Understand

Advise

Recommend

Implement

Stage 1: Assessment of current situation & Requirements going forward

Stage 2: Decision in Principle (DIP) / Agreement in Principle (AIP)

Stage 3: Appoint a Solicitor & Apply for a mortgage

Stage 4: Appoint a Solicitor & Apply for a mortgage

Stage 5: Mortgage Offer

Stage 6: Completion

Contact Us

Mortgages

Insurance

Contact With Us!

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