Re-Mortgage

Re-mortgaging

Do you have a mortgage but aren't sure if it's right for you anymore? Perhaps you'd like to find out if you could switch to a better deal, or you may want to raise more cash for things like home improvements or business purposes. Sometimes you will pay off your current mortgage and re-mortgage with another lender. Sometimes you will stay with your current lender and switch to a different deal.


That's what we're here for! Our re-mortgage information service is completely free and it will provide you with all the information you need to make you feel more relaxed about the process and get the ball rolling!


The first step to re-mortgaging is to speak to somebody to find out how it works. In our free information service we will talk about your specific situation and tailor our advice to you. We will look at deals across the market to compare rates and fees, as well as helping you work out which lenders will be suitable for your situation. If you're looking to raise money, we will help you work out how much you may be able to borrow. 

What do I need to get started?

Nothing. Just a phone to use to give us a call! When you apply for a mortgage, you will usually be required to provide documents such as payslips, but the documents you will need to provide will depend on your situation. For example, if you're self-employed, you may not have payslips. That's why we don't ask for any documents or specifics to book the free information call. During the call we will talk about your personal circumstances and tailor our advice to you. From there, we will explain the next steps, such as providing documents and getting a decision in principle.


But just to give you an idea, here are the basic steps to re-mortgaging...

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.





Step 1


Give us a call to book in your free information call. We will have a quick chat and find a time that suits you. Weekends and evenings are available.




Step 2

We will conduct a phone-call and/or screen share meeting where we will explain the re-mortgage process. We will gather information from you to find out how best to help you. We will also take a look at some mortgage deals! (Up to 90 mins)




Step 3


We will ask you to provide us with some documents. For example, payslips to confirm your income.



Step 4


We will get a decision in principle from a suitable lender which will give you a clear indication of whether you're likely to be accepted for a mortgage with that lender.




Step 5

Time to get things moving! We will apply for your mortgage and send all necessary documents to the lender. We can also help you arrange a solicitor to take care of the legal side of re-mortgaging. Often, the solicitor costs to re-mortgage are paid for by the mortgage lender.




Step 6

The lender will check the application and also do a valuation of the property to ensure it is good security for the loan.




Step 7



If the lender has confirmed that everything is in order, they will issue a mortgage offer.




Step 8



Completion! This is when your mortgage has been switched over to a new deal and you can relax.

Book a free call

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be £499.


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


Share by: