Remortgaging

The decision to remortgage away to a new lender and go through the whole mortgage process can be a tricky one.

Do you save time and headaches by accepting whatever your current lender gives you? How do you know this is a good deal for you? Could you save your pennies elsewhere? This is where we can step in and help you!

We will assess your current situation. Can you afford to move lenders? Can you still afford your current mortgage?

We’ll check if retaining you with a Product Transfer to your current lender is best for you or if moving to a new one would be better. 

There are some other considerations beyond the price. There is the time aspect, the document requests, the new mortgage application and the underwriting involved, as well as arranging a solicitor to act on your behalf.

We will help you navigate all these hurdles and decisions to ensure you get excellent service, advice and the most suitable mortgage for your needs.

How it works

Introduction Call

Book a call for a time that suits you.

Customer Hub

Sign up to our customer hub and complete your personal profile.

Affordability assessment

Once you have filled in your personal profile we will be able to assess your affordability, considering:

  • existing properties and investments
  • income and expenditure
  • debt and monthly commitments

Decision in Principle

The next step is to get a decision in principle to get a head start on other buyers and show the sellers you’re serious about buying. Properties move fast, so this puts you in the best position to secure your dream property. We will search the whole market and find you the best match. We’ll discuss any fees you can expect up front.

Mortgage Offer

Once you find the property you want to purchase, we will handle the application process from start to finish. We will request documentation through your customer hub and liaise with the lender so you can put your feet up and wait for your mortgage offer.  We can recommend solicitors and a surveyor, as well as give you a quote for home and life insurance.

Book a free consultation to have a chat about your requirements.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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