Remortgaging
Remortgaging made easy
Remortgaging can seem complicated, but it doesn’t have to be. Whether you’re looking to reduce your monthly payments, release equity, or find a better deal, I’m here to make the process simple and stress-free.
As an independent mortgage broker, I have access to hundreds of mortgage products from a wide range of lenders. This allows me to compare options thoroughly and find a solution tailored to your individual needs. I work solely for you, not the lender, so my advice is unbiased and focused entirely on securing the best outcome for your situation.
From reviewing your current mortgage and exploring your options to handling the paperwork and liaising with lenders, I guide you through every step of the remortgage process. With the right advice, remortgaging can save you money, give you more flexibility, and give you peace of mind.
Let’s make your remortgage smooth, straightforward, and entirely stress-free.
Yes, you can — it just requires a bit more preparation. Some lenders are very flexible with self-employed income or historic credit issues. I’ll review your documents, get a clear picture of your situation, and match you to lenders who will consider your case.
If you’re on a fixed rate, your payments won’t change until the deal ends. If you’re on a variable or tracker rate, your payments will rise if the lender or Bank of England increases rates. We’ll look at your budget and discuss whether fixing your rate makes sense for your situation.
There can be several fees involved — such as valuation fees, solicitor costs, and sometimes a lender arrangement fee. I’ll give you a full breakdown before we proceed, so there are no surprises.
My own broker fee is £199, which only becomes payable when your mortgage offer is issued, and I’ll explain exactly what’s included in that.
You can, but banks can only offer their own products. As a broker, I have access to a wide range of lenders — including some that only work through brokers — which often means better rates or more flexible criteria. I also handle all the paperwork and communication with the lender to save you time and stress
Typically, from application to completion, it can take 6 to 8 weeks, though it depends on the lender, valuation times, and solicitors. I’ll handle the process from start to finish and keep you updated at each stage.
It’s easy! You can book a time that suits to set up a video call. I’m happy to meet via Teams, Zoom, Whats app … the choice is yours!
Absolutely! I’m an Independent Mortgage Broker, which means I’m not tied to any one lender. My advice is completely impartial and tailored to your unique situation, helping you find the mortgage and protection options that truly suit you.
The first step is getting an Agreement in Principle (AIP). This gives you a clear idea of how much you could borrow and helps put you in a stronger position when looking at properties.
When a lender reviews your application, they’ll look at things like your income, current commitments, credit history, savings, and general spending. This is simply to make sure the mortgage is affordable for you.
By sorting an AIP early, you’ll have peace of mind about your budget and be more attractive to sellers.
If you’d like to explore your options, let’s chat—I’ll guide you through it and help you see what’s possible.