Let's find a great deal on your mortgage

1. Secure a better rate – Our mortgage experts can access market leading rates from the whole market

2. Better choice - Our experts have access to a wider range of lender products than you would by researching the market and applying directly.

3. Save time - Our service provides expert advice from someone who already understands the market and will search for the best deal on your behalf, so you don’t have to.

4. Professional advice - We only work with qualified mortgage professionals who have a duty of care to you meaning they’re on your side. In short you have an expert in their field who will do their best to give you great mortgage advice.

5. Peace of mind -Our mortgage experts provide a fast application process & keep you updated on progress. They are also used to spotting delays and chasing them.

According to Legal & General from a survey done in February 2022**: “The cost-of-living squeeze and rising interest rates are clearly driving borrowers to remortgage and lock into low fixed-rate products that are still available on the market. Others are exploring alternative means of managing their finances, perhaps by taking out interest-only mortgages.”

Historically, the housing market has shown an upward trend in prices with occasional dips. If you're in a position to buy now but choose to wait, you may end up paying more later. It's essential to balance this with your current circumstances and needs. Our experts are here to help you navigate the market and find the best solution for you.

Getting your original mortgage may have taken a while…

The good news is remortgaging is typically much quicker process & easier to get done.

From start to finish a remortgage will typically take 4 to 6 weeks to complete.

This can be quicker where you have a standard construction property, a good credit record and your income supports mortgage affordability.

You can help speed the process up by getting your documentation lined up ahead of making your Mortgage Application.

This is where having a mortgage broker looking after your application can make a big difference as we will know how to progress your application and deal with any potential issues.

To talk to one of the remortgage experts complete our quick enquiry form.

Many people are remortgaging & capital raising to take cash out of their home.

Reasons for this include:

• Funding home improvements such as loft conversions and extensions

• Providing a deposit for a second home or buy to let property

• Releasing cash to provide a gifted deposit for a child to get on the housing ladder

• Paying off existing debts

• Paying for a wedding, a special holiday, or other big one off spends.

The amount of equity you can release from your home will depend on a range of factors including the value of your home, your outstanding mortgage & the equity you have, & your age.

Your income, affordability and credit rating will also be taken into consideration.

When you applied for your mortgage you very likely got a good deal at the time.

Typically, you would have been set up on a deal where the initial rate was either fixed or at a discount for a period of time e.g. 2, 3 or 5 years.

Once the deal ends your lender will move you onto their standard variable rate which will be a higher rate and will mean your monthly repayment costs will go up.

If you are at the end or coming to the end of your initial deal a better deal may be available to you that could save you a lot of money.

This does not mean you necessarily have to change your mortgage lender.

It is important to check the terms of your current mortgage deal as there may be early repayment charges which need to be taken into account.

These fees can add to the cost of remortgaging and might make remortgaging more expensive than staying on your current deal.

Talk to one of the remortgage experts to discuss your options by completing our quick enquiry form.

Fix your mortgage for peace of mind

Considering remortgaging and worried about rising interest rates? You may want to consider a fixed rate mortgage deal.

A fixed rate mortgage can provide peace of mind that your monthly mortgage payments won’t change during the fixed term, regardless of what happens to interest rates.

If you think rates may come down in the near future, there are mortgage products which may be better than the standard variable rate (SVR) we could move you to, whilst still retaining the flexibility to switch again or remortgage if rates come down.

Complete our questionnaire to speak to one of our experts.