Remortgages

Save on Your Mortgage

Remortgage your mortgage to better your financial situation

You should start looking for your next mortgage 6 months before the end of your current rate. 

We can compare your current lenders product transfer against the rest of our panel of lenders, ensuring you get the best deal and avoid the lenders much higher standard variable rate.

We stay with you all the way to completion, constantly reviewing the market and switching you onto a better option if one becomes available, anytime before you complete.

Charles Calvert

Founder & Managing Director

Why Refinance?

Common Reasons To Refinance Your Mortgage

Lower your
mortgage rate

We can switch you onto a better option. Avoid the lenders standard variable rate by locking in a new lower fixed rate. 

Access home
equity (cash)

Release some of the equity in your property to pay for things like weddings, a new car or a well deserved holiday.

Consolidate debt

A remortgage of your current mortgage is a great oppourtunity to consolidate other debt under a lower interest rate and lower your monthly outgoings.

Easy Mortgages

When to remortgage

When should I Remortgage?

It's important to review your mortgage before your current fixed rate or mortgage product is due to end. About 6 months before, is usually the best time. We will compare what your current lender can offer you versus the rest of the market, and then lock in the best option for you. This is a free service we offer at Easy Mortgages.

This is also a great time, if you are looking for any further borrowing, debt consolidation or to reduce the loan, to do this at this point.

We arrange the product transfer or remortgage application for you and stay with you all the way through to completion. Any additional funds would be transferred to you on completion.

We will conduct a free mortgage review of your current deal and advise you whether we believe we can find you a better deal, assist you with an equity release and more - no obligation.

Step-by-Step Guide

10 Steps to Remortgage

Broker Consultation

We will go through your requirements and find the right remortgage for you. A European  Standardised Information Sheet or Key Facts Illustration will be provided.

Legal Work

Either your lender will instruct a solicitor to act for you or you may use your own. Paid for by the new lender. The solicitor will have the full details of the property and the new loan required.

Searches / Questionnaire

The solicitor will carry out searches and issue a questionnaire.  On completion and return of the questionnaire you should provide details of your buildings and content policy.

Decision in Principle

Your chosen lender will make a preliminary decision based on your basic personal details. At that point, a full  application will then be submitted to the lender. 

Valuation

Your home will be re-valued by an experienced surveyor and the report submitted to the lender. This valuation is used to consider any equity release also and is paid for by the new lender.

Request of Statement

A redemption statement is requested by the solicitor from your current lender to show the outstanding mortgage balance payable. 

Protection

Protecting your home, loan and family is an essential not an extra. Your cover will ensure you are covered in the event of death, critical illness, or loss of  income.

Formal Offer

Once the checks have been completed, a formal offer letter of remortgage will be issued. The will contain details of your new rate, additional funds to be paid out etc.

Payout

Additional payments will be paid to you via the requested method of payment if an equity release is also part of your remortgage strategy.

Broker Consultation

We will go through your requirements and find the right remortgage for you. A European  Standardised Information Sheet or Key Facts Illustration will be provided.

Decision in Principle

Your chosen lender will make a preliminary decision based on your basic personal details. At that point, a full  application will then be submitted to the lender. 

Protection

Protecting your home, loan and family is an essential not an extra. Your cover will ensure you are covered in the event of death, critical illness, or loss of  income.

Legal Work

Either your lender will instruct a solicitor to act for you or you may use your own. Paid for by the new lender. The solicitor will have the full details of the property and the new loan required.

Valuation

Your home will be re-valued by an experienced surveyor and the report submitted to the lender. This valuation is used to consider any equity release also and is paid for by the new lender.

Formal Offer

Once the checks have been completed, a formal offer letter of remortgage will be issued. The will contain details of your new rate, additional funds to be paid out etc.

Searches / Questionnaire

The solicitor will carry out searches and issue a questionnaire.  On completion and return of the questionnaire you should provide details of your buildings and content policy.

Request of Statement

A redemption statement is requested by the solicitor from your current lender to show the outstanding mortgage balance payable. 

Payout

Additional payments will be paid to you via the requested method of payment if an equity release is also part of your remortgage strategy.

Download your Free Remortgage Step-by-Step Guide today

Any type of mortgage application can be stressful and confusing, which is why we have made this step-by-step guide to support and inform you throughout the remortgage process, any fees to expect and more.

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Best Mortgage Rates

How Do we Find you the best Mortgage Possible?

Easy Mortgages has one of the largest lending panels in the UK. We are part of the award winning Mortgage Intelligence Network.  

With over 15 years experience, we find the most suitable and cheapest mortgage for you, based on your personal circumstances. And, we make sure every step of the journey is as straightforward as possible.

Remortgaging and navigating through legal documents plus dealing with banks, insurance companies with different rules and procedures can rapidly become a daunting task.

We’ve be navigating this industry for over 15 years. Let us do the heavy lifting for you!

We will have you enjoying your new home, equity release or refinance sooner than you can imagine.

Competitive offerings

With our extensive lending panel, finding the best deal for your circumstances is easy. As a reputable mortgage broker, we have the power to negotiate on your behalf and advocate for the best possible deal for you.

We work for you

As our client, your satisfaction is our number 1 priority. Our mission is to ensure that all of our clients have the best deal and noone is every paying more than they should for their mortgage.

5 Star Service

What our clients say about us

Francesca KirbyFrancesca Kirby
18:44 28 Dec 22
Charles was really professional and informative with the whole process and options available to us. Despite the difficult market with interest rate increases he managed to secure us a great rate and kept our payments to a reasonable level. Cannot express how truly grateful my husband and I are for all the work he put into getting us the best offer out there and would happily recommend Easy Mortgages to anyone both first time buyers and people remortgaging.
M CM C
08:34 18 Oct 22
Charles from Easy Mortgages did a fantastic job! Really pleased with how efficient and straightforward everything is. From initial mortgage approval, through to underwriting, Charles kept us informed throughout the whole process, and dealt with any queries promptly. He is very knowledgeable in his field, and I would not hesitate to recommend his services.
Adam DowseAdam Dowse
17:21 06 Oct 22
After experiencing a great service, when taking out a competitive Life Assurance policy via Easy Mortgages brokerage service, I turned to Charles to find a mortgage for a new property.I wanted a reduced repayment period, but I wasn’t sure how this would impact the repayment costs. Over an online meeting, Charles was able to quickly generate several alternate options for me to consider.There was no pressure in terms of our chosen mortgage, and I was impressed that Charles was able to provide an Agreement in Principle by the end of the initial meeting.Charles is a true professional in his industry, who I would not hesitate to recommend.
Samuel MaximousSamuel Maximous
18:06 01 Aug 22
This is my first time applying for a mortgage and Charlie has been extremely helpful in every step of the process. He's always responsive, incredibly patient, and very clear in explaining the process. I couldn’t of asked of a better service. I would definitely recommend and would definitely work with Charlie again for my next mortgage! Thank you so much
Lis SmallLis Small
18:08 04 Apr 22
I recently needed a Buy to Let mortgage and Charles was fantastic. He carried out the necessary research and recommended 3 possible options. He explained the products clearly and was happy to answer any questions, no matter how basic! He saw me through the whole event, ensuring everything was ready for completion.He also helped with a suitable buildings insurance. Again, everything was as promised and now I have a house, properly set up, with happy tenants. Thank you Charles. I will continue to use you when my fixed term comes to an end.I can’t recommend him highly enough.
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    Easy Mortgages Limited is an appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only. 

    Registered address; 41 Agincourt Avenue, Gosport, Hampshire, PO13 8NU. Registered in England & Wales under number 13862954 

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE   

    We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.

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