Why Remortgage?
Lower Your Monthly Payments: Take advantage of competitive interest rates to reduce your mortgage costs.
Release Equity: Unlock the value in your home for renovations, investments, or personal goals.
Consolidate Debt: Simplify your finances by rolling multiple debts into one manageable payment.
Switch to a Fixed Rate: Gain financial security by locking in a fixed interest rate.
End of Fixed-Term Deals: Avoid reverting to a lender’s standard variable rate by switching to a better deal.
How the Process Works
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Get in Touch: Fill out our quick online form to start your remortgage journey.
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Expert Consultation: One of our friendly advisors will review your situation and discuss your options.
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Compare Deals: We’ll search the market to find the best deal for you.
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Application Support: We handle the paperwork and liaise with the lender on your behalf.
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Approval & Completion: Once approved, we’ll ensure a smooth transition to your new mortgage.*
*You may have to pay an early repayment charge to your existing lender if you remortgage
Why Use a Mortgage Broker for Your Remortgage?
6 Benefits of Using a Mortgage Broker
Expert Market Knowledge
Brokers have access to exclusive deals and insights that you may not find on your own.
Whole Market Access
Access to a wide range of lenders, including specialist providers.
Tailored Advice
They assess your financial situation to recommend the best mortgage for your needs.
Better Deals
Brokers can often secure better terms by negotiating directly with lenders and obtaining exclusive deals.
Saving Time
Brokers handle the research and paperwork, saving you time and hassle.
Support
From application to approval, brokers ensure a smooth experience.
Document Checklist for Remortgaging
1. Proof of Identity
Lenders need to verify your identity. Provide one of the following:
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Valid passport
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Driving license with your current address
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National ID card (if applicable)
2. Proof of Address
Confirm your current residence by providing at least one of the following:
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Utility bill (dated within the last 3 months)
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Recent bank or credit card statement
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Council tax statement
3. Current Mortgage Information
Your new lender will need details about your existing mortgage. Provide:
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Recent mortgage statement from your current lender
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Details of the remaining term and outstanding balance
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Early repayment charges (if applicable)
4. Proof of Income
Lenders will assess your income to ensure you can afford the remortgage terms. Gather the following:
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Employed Applicants:
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Last 3 months’ payslips
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Latest P60
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Employment contract (if you’ve recently started a new job)
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Self-Employed Applicants:
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Last 2-3 years’ tax returns (SA302 forms)
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Accountant-prepared financial statements
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Recent bank statements showing income deposits
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5. Bank Statements
Submit the last 3-6 months of bank statements to show:
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Income deposits
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Monthly expenses and financial stability
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Any additional financial commitments
6. Property Valuation Information
Lenders often require information about your property’s value. Be ready to provide:
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Recent valuation or survey (if available)
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Details of significant home improvements that may have increased the property’s value
7. Credit History
Lenders will check your credit score and history to assess your financial responsibility.
8. Additional Information
Depending on your circumstances, you might also need to provide:
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Details of any loans or credit cards
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Proof of rental income (if applicable)
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Evidence of other sources of income
9. Conveyancer Details
You will need to provide your conveyancer's detail when applying a mortgage with a new lender. Find your conveyancer here.
