Remortgages

Re-mortgaging a property

You may be coming to the end of a fixed interest rate or you may want to raise additional capital for home improvements. Whatever the reason, we’ll give you advice on the options available and support you through the process.

Step 1: Why do you want to remortgage?

The first thing we always do is find out the current circumstances and understand why you want to remortgage. As this is basically a new mortgage, we’ll ask you to collect up to date ‘proofs’ including ID, proof of address, proof of income etc. Depending on the lender, there may be additional information required.

Step 2. We'll do our research

Having gathered all the appropriate information, we’ll carry out research and talk you through the options.

Step 3. Full Application

Once you’ve agreed which option suits you best, we’ll proceed to completion of the full application. We may need additional ‘proofs’ but we’ll let you know if there’s anything we need to complete the application that we don’t already have.

Step 4. Completion and new mortgage in place

Once you application is accepted, we’ll get copies of the full mortgage offer and confirmation of the start date of the new mortgage. If the mortgage includes capital raising that should come to you via your solicitor in time for the start date of the new mortgage. Your new mortgage is now in place.

Like all our interactions with you, we’ll make the process as smooth and as quick as we possibly can. So if you’re looking to remortgage, give us a call.