Stamp Duty hike drives up moving costs
The cost of moving home in England has jumped 10.9% over the past year, according
14 May 2025
We have a team on hand, waiting to help you. Enquire today and see how we can help!
Our professional remortgage advisors make it easy for you to switch your rate to save money, keep your mortgage tailored to your needs or even borrow more to improve your home.
What does the process of remortgaging look like?
The whole remortgage process need not be complicated, in fact we help to make it as easy as 1, 2, 3 (with an added 4, 5 and six)
You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage
Our customers says Excellent They’ve rated us 5 stars
Remortgaging replaces your current mortgage with a new one. This can happen for several reasons: your existing mortgage term is ending, you’re seeking a lower interest rate, you want to modify the loan terms, or you wish to borrow additional funds for things like home renovations.
We have a team on hand, waiting to help you. Enquire today about how we can help.
Our mortgage advisers work closely with you to save you time and give you the very best chance of a successful application.
During the application process, we’ll:
Once your mortgage has been offered, we’ll support you all the way through to completion.
We’ll work hard to build a lasting relationship with you, so you’ll always have someone you trust to help with any queries or requirements in the future.
Our approach focuses on understanding your unique circumstances and tailoring our advice to fit your specific needs.
With years of experience in the mortgage industry, we navigate the complexities of the market with ease.
Nothing is ever too complex for us! We thrive on finding solutions, whether you have a unique financial situation or specific requirements.
If your mortgage is nearing its end, it’s advisable to contact our remortgage advisors at least five to six months beforehand. This timeframe allows us to assess your situation, see what your current lender might offer to keep you, and compare it with other options on the market. It’s crucial not to automatically renew with your existing lender, as some may initially offer attractive rates but not the best options when it’s time to renew. This could lead you to a more expensive deal that no longer fits your financial needs, especially if your circumstances have changed.
Many clients choose to remortgage as an opportunity to access extra funds for home improvements, like a new kitchen or bathroom renovation. If your home’s value has risen since your purchase and your mortgage balance has decreased, you may have sufficient equity to borrow additional money. We can help you determine if this is feasible and sensible based on your current financial situation.
It’s also important to consider whether your current mortgage terms still meet your needs. Simply switching to a new rate without reviewing your affordability and circumstances may not be the best approach. For instance, if your income has increased and current rates are lower than when you first borrowed, you might be able to shorten the mortgage term. This could bring you closer to owning your home outright and save you significant amounts in interest. If you have savings, exploring options like an offset mortgage could also be beneficial.
We highly recommend seeking professional advice before making any decisions, and we’re here to provide guidance to help you assess whether remortgaging is the right choice for you.
While having bad credit can make it more challenging to remortgage, it’s not impossible. Some lenders specialise in offering mortgages to those with less-than-perfect credit. Consulting a mortgage adviser can help you find the best options available.
The remortgaging process typically takes around four to eight weeks, but this can vary depending on the lender and your specific circumstances. It’s important to stay in touch with your adviser throughout the process for updates.
There’s lots of numbers involved and calculations to do when dealing with finances, explore our free-to-use calculators to keep things simple.
Calculate what a monthly mortgage payment might look like for you.
At Appleton Mortgages, we’re committed to guiding you every step of the way, making the process as seamless and enjoyable as possible.
Understand our 8 step process, from having your initial chat to receiving your keys.
Contact us via phone, email, or our website to schedule your initial consultation. During this conversation, we’ll discuss your goals, financial situation, and any specific requirements you may have. This helps us understand how we can best assist you.
In our in-depth consultation, we’ll dive deeper into your needs and preferences. We’ll gather essential information, such as your income, credit history, and desired property type. This allows us to assess your mortgage options and outline a personalised plan.
Once we have all the necessary information, we’ll conduct thorough research to find the most suitable mortgage products for you. We’ll present our recommendations, explaining the benefits and potential drawbacks of each option, so you can make an informed decision.
After you choose a mortgage option, we’ll help you prepare your application. This includes gathering all required documents and ensuring everything is in order. We’ll guide you through the paperwork and clarify any questions you may have.
We’ll submit your mortgage application to the lender on your behalf. Our team will stay in close contact with the lender to ensure everything moves smoothly and address any queries that may arise during the process.
As your application is processed, we’ll liaise with estate agents and solicitors to keep everyone in the loop. This allows you to focus on your day job while we handle the running around and ensure all parties are aligned.
Once your application is approved, you’ll receive a formal mortgage offer. We’ll review the offer with you to ensure you understand the terms and conditions, and we’ll help you navigate the acceptance process.
Finally, once all legal work is completed and the funds are in place, your mortgage will be finalised. We’ll be there to support you through the completion, ensuring everything goes smoothly and you’re ready to move into your new home!
The cost of moving home in England has jumped 10.9% over the past year, according
Buying a home is now significantly cheaper than renting across most of Great Britain, according
The UK mortgage market bounced back strongly at the end of 2024, driven by first-time
We offer face to face appointments in the areas where we have brokers. If you live outside of that area, we can still help you! We offer phone call and zoom appointments nationwide.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £295
Your home may be repossessed if you do not keep up repayments on your mortgage.
Appleton Mortgages Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered Office: Appleton Mortgage Limited,85 Great Portland Street, London, England, W1W 7LT. Registered Company Number: 15807713.Registered in England & Wales/Northern Ireland/Ireland/Scotland.