You may be paying more on your existing remortgage than you should. Secure a lower Fixed Rate by switching mortgage providers.

Access additional cash by releasing money from your home for home improvements & renovations, a 2nd home deposit, or even a holiday!

Pay off high-interest expensive debts (e.g. credit cards, personal loans, or overdrafts) with a debt consolidation remortgage.

Arrange a phone appointment or a face-to-face meeting with one of our advisers – whatever suits you. Your adviser will assess your circumstances before doing some research to find you the best deal for your future needs. They’ll then organise a follow up call during which they’ll present you with your best options.

Once you’re happy with your adviser's recommendation, they’ll go about securing your DIP (Decision in Principle) - which is basically a promise from the lender that they’ll loan you money on the condition that the information you’ve provided is correct and subject to a valuation of the property.

After you’ve secured a DIP (Decision in Principle), you’ll be in a position to make an offer on a property. DIPs are necessary to show you can afford the purchase and demonstrate that you’re serious in your intention to buy.

Following the acceptance of your offer, we’ll send you some information which explains all the documents we need to submit to the lender. You’ll be assigned a client relationship manager who’ll check and submit certified copies of your documents; they will be a point of contact between yourself and the lender.

The lender will underwrite your application; this basically means they’ll verify that the information you’ve provided is correct and review all your documents for themselves. They’ll also instruct a valuation for their purposes on the property you want to buy to make sure there are no significant problems with it.

Once the lender has completed and satisfied their checks and the property valuation, they will issue your formal mortgage offer.

After you’ve accepted your mortgage offer, you’ll go through the legal part of the process, known as conveyancing. This is where the solicitors draw up contracts and organise the actual, legal purchase of the property. You’ll also need to arrange buildings insurance at this stage, making sure it’s in place from exchange.

Once everything is in place, your solicitor will exchange contracts with the seller’s solicitor. It’s at this point that you put down your deposit and the sale is legally bound. The purchase completes when money is transferred on an agreed-upon date. This is when you get the keys to your new home.