Remortgages

Remortgaging means switching your mortgage to a better deal, either with your current lender or a new one. There are several reasons you might consider remortgaging:

To secure a lower interest rate
A change in personal circumstances, such as a new job
To release additional funds for home improvements or other needs

At Property Clinic Solutions, we provide honest, professional, and trustworthy remortgage advice tailored to your situation. We also advise landlords looking to remortgage their buy-to-let properties, with access to specialist deals designed for landlords.

The remortgaging process is straightforward but can take several months rather than weeks. Our dedicated advisors will guide you through each step and provide realistic timescales based on your circumstances.

Our services are available across the UK. Wherever you live, we can help you secure a better remortgage deal that suits your needs.

Remortgaging Process

Contact Property Clinic Solution

Our experienced mortgage advisors will search thousands of mortgage deals and compare them with your current mortgage to find the best solution for your circumstances.

Get your mortgage agreed in principle

Secure an Agreement in Principle, confirming that you have passed the first stage of the lender’s credit assessment and strengthening your position for the remortgage. This gives you clarity on how much you can borrow and shows your lender and any intermediaries that you are a serious, ready-to-proceed borrower.

Submit your mortgage application

Once you’ve chosen the right deal, we will convert your Agreement in Principle into a full mortgage application and manage the process with your lender. We ensure all documents are complete, monitor progress closely, and keep you informed at every stage to make the remortgage process smooth and stress-free.

Wait for the mortgage valuation

Your lender will arrange a valuation to confirm your property is worth the agreed price. This protects both you and the lender in case unexpected issues arise. The valuer will assess the condition and market value of your home, ensuring the mortgage is based on accurate information before the offer is finalised.

Receive your mortgage offer

Once the valuation and checks are complete, your lender will issue a formal mortgage offer, confirming your application has been approved. This gives you full assurance that your remortgage is secured and allows you to proceed confidently with the remaining steps, including legal work and finalising your switch.

Complete the legal work

Your new lender will handle the legal process for switching mortgages. You will need to complete and return the legal pack, and we will guide you every step of the way to make it straightforward. Our team ensures all documents are correctly completed, deadlines are met, and any questions are answered promptly, keeping the process smooth and stress-free.

Arrange your insurance

Buildings insurance is required before completion. We can also advise on contents insurance and other protection to safeguard your home, income, and family. Having the right cover in place ensures you are fully protected from day one, giving you peace of mind as you complete your remortgage and move forward with confidence.

Remortgage completed

Congratulations! Your mortgage has been successfully switched, giving you a better deal and peace of mind. You can now enjoy the benefits of lower payments, improved terms, or released equity, knowing your finances are secure and your home is protected.

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

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Address : 1 Mychell House, Pincott Road, London, SW19 2NN
Email : info@propertyclinicsolutions.com
Phone : 0333 404 0589

Property Clinic Solutions Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is 1040229. You can check this on the FCA’s website: www.fca.org.ukProperty Clinic Solutions Limited is a company registered in England and Wales, registration number 15630130, with its registered office at 1 Mychell House, Pincott Road, London, SW19 2NN.

Your home may be repossessed if you do not keep up repayments on your mortgage.
For our mortgage advice services, we may charge a fee ranging from £0 to £499, depending on the type of application. The exact amount will be confirmed at the earliest possible opportunity.