Don't settle for less when it comes to your remortgage. Our expert advisors will search high and low to find you the best deal, no matter your circumstances.
Save money and secure your financial future today.
Don't settle for less. Our remortgage broker service ensures that you get the best deal, regardless of your circumstances.
With our unique feature of locking in a rate 6 months before the end of your current rate and swapping to new offers, you can be confident in securing the most favourable terms for your remortgage.
Remortgaging simply means switching your existing mortgage to a new deal, either with your current lender or a new one. Many homeowners choose to work with a trusted remortgage broker to get a better interest rate, reduce their monthly payments, release equity from their property, or change the terms of their loan.
Services with our remortgage broker in Hampshire are designed to make the process stress-free. With the ability to lock in a great rate up to 6 months before your current deal ends, and the option to switch to an even better offer if one becomes available, you can have complete confidence that you’re securing the most favourable terms possible.
We provide a complete range of mortgage and protection services to meet your needs, including:
We hope that you will never have cause to complain but if you do and you wish to register a complaint, please contact our network;
In writing: Stonebridge Mortgage Solutions Ltd.
Regency House, Miles Gray Road,
Basildon, Essex, SS14 3FR
By telephone: 0345 646 5505
By email: complaints@stonebridgegroup.co.uk
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Remortgaging refers to the process of switching your current mortgage to a new one, either with your existing lender or a different one. It involves paying off your existing mortgage with the proceeds from the new mortgage.
People remortgage for various reasons, such as:
The right time to remortgage depends on your individual circumstances and the current market conditions. It’s often beneficial to review your mortgage regularly, especially when your fixed-rate period is about to end to avoid the Standard Variable Rate or if interest rates have significantly dropped.
Remortgaging typically involves fees, which can include arrangement fees, valuation fees, legal fees, and potentially an early repayment charge if you’re still within a fixed-rate period. It’s important to consider these costs when assessing the financial benefits of remortgaging.
The amount you can borrow when remortgaging depends on several factors, including your income, credit history, the value of your property, and the lender’s criteria. Lenders typically assess your affordability and loan-to-value ratio to determine the maximum borrowing amount. Complete our questionnaire to find out how much you can borrow.
In most cases, you will need a solicitor or conveyancer to handle the legal aspects of remortgaging. They will ensure that the new mortgage is properly registered against your property and handle the transfer of funds between lenders.
The remortgage process can vary, but it usually takes between four to eight weeks. The duration depends on factors such as the complexity of your application, the efficiency of the lenders involved, and the workload of solicitors or conveyancers.
It’s important to compare offers from your current lender with those from other lenders to determine which option is more beneficial for you. Consider factors such as interest rates, fees, and customer service. Switching to a new lender may offer more competitive terms, but it’s essential to evaluate the overall costs and benefits.
MDJ Mortgages is an appointed representative of Stonebridge which is a trading style of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Stonebridge Mortgage Solutions Limited, 9 Lords Court, Basildon, Essex, SS13 1SS. Registered in England and Wales. Registered Number 5601592.
We are also regulated by the Financial Conduct Authority, FCA no: 949077. You can view the FCA register here
We may charge a fee for the arrangement of your mortgage, but the precise amount will depend on your circumstances. We may also charge a fee for equity release products. All fees will be disclosed at the initial appointment’
You may have to pay and early repayment charge to your existing lender if you remortgage.
As with all insurance policies, conditions and exclusions will apply.
A lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.
*Your home may be repossessed if you do not keep up repayments on your mortgage.
Banks and building societies change their mortgage rates quite frequently so it is always best to shop around when looking for the best deals. But while low interest rates are attractive, they are not the only consideration. You should also factor in the type of deal you want – such as a fixed or variable rate mortgage – the fees attached to the deal, plus how long you want to be tied into the loan.
A mortgage in principle or an agreement in principle is confirmation of how much a bank or building society is prepared to lend to you based on the information you’ve provided. This can help show that you’re ready to buy when it comes to making an offer on a property. But it’s important to remember that a mortgage in principle is not a guarantee. A lender can still refuse or reduce the amount at the point you come to make a full mortgage application as at this time it will assess your full credit history and financial situation. Contact us and we can help you obtain a mortgage in principle.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
