Common Remortgage questions.

Common Remortgage questions.

Please contact us with your Remortgage query

Please contact us with your Remortgage query

Simply enter your details below for us to help you.

By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your mortgage requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

Simply enter your details below for us to help you.

By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your mortgage requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

How do I get a £1+ million mortgage? 

How do I get a £1+ million mortgage? 

We have the expertise to arrange £1m+ mortgages which, by their nature, are complex and require specialist underwriting. Please call to discuss this. 

We have the expertise to arrange £1m+ mortgages which, by their nature, are complex and require specialist underwriting. Please call to discuss this. 

How does a second mortgage work?

How does a second mortgage work?

A second mortgage, or a 2nd charge mortgage, is a loan that is in addition to your main mortgage, from a secondary lender. This type of lending is also underwitten by assessing income and affordability.

A second mortgage, or a 2nd charge mortgage, is a loan that is in addition to your main mortgage, from a secondary lender. This type of lending is also underwitten by assessing income and affordability.

What are the criteria for a Limited Company Mortgage?

What are the criteria for a Limited Company Mortgage?

A lender will require information on the income of the company, rather than an individual, making the process a little more complicated.

A lender will require information on the income of the company, rather than an individual, making the process a little more complicated.

Can I have more than one Buy To Let mortgages?

Can I have more than one Buy To Let mortgages?

Yes. We can help landlords who are looking to grow a portfolio of properties, remortgage a buy to let or purchase a new property.

Yes. We can help landlords who are looking to grow a portfolio of properties, remortgage a buy to let or purchase a new property.

Is remortgaging a good idea?

Is remortgaging a good idea?

If you can reduce your monthly payments with a better interest rate, or shorten the time that it takes to pay back your mortgage debt, then this could be positive. 

If you can reduce your monthly payments with a better interest rate, or shorten the time that it takes to pay back your mortgage debt, then this could be positive. 

The Remortgage Process

The Remortgage Process

Working with HB Partners

Working with HB Partners

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An informal introductory conversation 

An informal introductory conversation 

Your mortgage adviser will ask exploratory questions to gain an understanding of your situation. Following this, you will be shown the options available to you. Such as "How much can I borrow?".

Your mortgage adviser will ask exploratory questions to gain an understanding of your situation. Following this, you will be shown the options available to you. Such as "How much can I borrow?".

Now that we know your circumstances, we will look for the most appropriate mortgage product to meet your needs.

Now that we know your circumstances, we will look for the most appropriate mortgage product to meet your needs.

Our Expert Recommendation

Our Expert Recommendation

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Discover the right Remortgage for you

Discover the right Remortgage for you

Our mortgage experts will take you through the options, and only once you are happy, we will apply for an agreement in principle from the lender. 

Our mortgage experts will take you through the options, and only once you are happy, we will apply for an agreement in principle from the lender. 

Once the agreement in principle is obtained, we will submit the full remortgage application on your behalf. We manage all stages of the process and keep you updated, right up to the remortgage completion.

Once the agreement in principle is obtained, we will submit the full remortgage application on your behalf. We manage all stages of the process and keep you updated, right up to the remortgage completion.

Full application

Full application

The choice in the mortgage market can be confusing with so many products to choose from. Your adviser will take the confusion out of remortgages and present the options clearly and simply, allowing you to make sense of the products available, such as

The choice in the mortgage market can be confusing with so many products to choose from. Your adviser will take the confusion out of remortgages and present the options clearly and simply, allowing you to make sense of the products available, such as

What is 3 + 5 =

What is 3 + 5 =

Meet our Advisers

Meet our Advisers

WHAT IS A REMORTGAGE?

WHAT IS A REMORTGAGE?

A remortgage is a replacement for your existing mortgage, typically taken out when the original rate offer has expired.

A remortgage is a replacement for your existing mortgage, typically taken out when the original rate offer has expired.

IS IT WORTH REMORTGAGING EARLY? 

IS IT WORTH REMORTGAGING EARLY? 

If you can find a lower interest rate and do not have early repayment charges when exiting your existing mortgage, then this is an effective way to save money. 

If you can find a lower interest rate and do not have early repayment charges when exiting your existing mortgage, then this is an effective way to save money. 

I OWN MY HOUSE OUTRIGHT. 

CAN I REMORTGAGE?

I OWN MY HOUSE OUTRIGHT. 

CAN I REMORTGAGE?

Yes it is possible to secure a mortgage on an unencumbered property. The amount will be determined by your affordability and the value of your property. 

Yes it is possible to secure a mortgage on an unencumbered property. The amount will be determined by your affordability and the value of your property. 

DOES REMORTGAGING AFFECT YOUR CREDIT SCORE??

DOES REMORTGAGING AFFECT YOUR CREDIT SCORE??

It is your credit score that will affect a remortgage application. The primary factor with a lender's assessment of a remortgage is your credit score. 

It is your credit score that will affect a remortgage application. The primary factor with a lender's assessment of a remortgage is your credit score. 

Frequently Asked Questions

Frequently Asked Questions

We're always ready to help. Ask us anything

We're always ready to help. Ask us anything

If you have a specific question, click the button below, and we will do our best to answer this for you.

If you have a specific question, click the button below, and we will do our best to answer this for you.

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

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

Why use us?

Why use us?

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We are qualified to advise you on your equity release requirements.

We are qualified to advise you on your equity release requirements.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

Home > Mortgage > Remortgages

Home > Mortgage > Remortgages

Mark Culham 

Adviser & Co-Founder

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

What our clients say

What our clients say

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