Common Remortgage questions.
Please contact us with your Remortgage query
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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.
How does a second mortgage work?
A second mortgage, or a 2 nd 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?
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?
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?
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
Working with HB Partners
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?".
Now that we know your circumstances, we will look for the most appropriate mortgage product to meet your needs.
Our Expert Recommendation
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.
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.
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 =
Meet our Advisers
WHAT IS A REMORTGAGE?
A remortgage is a replacement for your existing mortgage, typically taken out when the original rate offer has expired.
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.
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.
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.
Frequently Asked Questions
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
Why use us?
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 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.
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.
Adviser & Co-Founder
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."
“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
"We strive to offer our clients the best possible service, so that they become clients for life.
Your feedback is valued, and by listening to you, our relationship becomes stronger"
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