Our mortgage brokers have access to a panel of lenders to find a deal that suits you. By understanding your remortgage options first, they can shop around for the best rate and potentially save you thousands of ££’s per year on your mortgage payments.

Enquiring with us only takes 30 seconds and won’t affect your credit score.

We aim to reward hard working young professionals and families with life insurance policies which offer true value, and are budget friendly at a time when living costs can pile up. 

With a life insurance policy, you can address the worries of your loved ones having to pay funeral costs should the worst happen, and your children can be supported for years to come. 

Or if paying off the mortgage is top of your priorities, we offer life insurance packages which can set your mind at ease.

Our partners are dedicated to saving you as much money as possible on your mortgage payments by comparing the leading lenders & finding the best deal for you.

Leave the worry, stress, and time looking for a great mortgage deal to us. We'll do it for you quickly with no upfront fees.

Our partners are FCA regulated and really good at finding mortgage deals. And they've got access to many exclusive deals not available on the high street.

We have been providing quality financial services and advice for a number of years. This includes: Life Insurance, Income Protection, Mortgage Protection and Critical Illness Cover. 

Our primary aim is to provide the best experience of customer contact and service.

Pay off high-interest expensive debts (like credit cards, personal loans, car finance, council tax and more) with a debt consolidation remortgage.

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

Don't let the greedy banks get away with charging too much. Secure a lower interest rate at today's rates simply by switching mortgage providers.

Dive into some of our latest blog posts to see what we've been sharing with the nation on all things mortgages.

Dive into some of our latest blog posts to see what we've been sharing with the nation on all things life insurance.

Feeling lost in the language of life insurance? You’re not alone! We’ve created this jargon-free dictionary of 10 of the most common terms to help...

Feeling lost in the language of mortgages? You’re not alone! We’ve created this jargon-free dictionary of 10 of the most common terms to help...

Feeling lost in the language of mortgages? You’re not alone! We’ve created this jargon-free dictionary of 10 of the most common terms to help...

There are several reasons why remortgaging makes sense including getting a better deal, raising money to pay off expensive debt, or raising money to pay for a home renovation/extension.

If you are on your lenders standard variable rate or your deal is about to expire, then absolutely YES you need to consider the best options going forward.

If you have over £5k+ in expensive credit card, loans or car finance debts, then YES, absolutely you should speak with a broker to discuss your options.

If you have early repayment charges for leaving your current provider or existing deal, your mortgage broker would need to work out the maths to determine if this is the best thing to do.

We would normally expect the mortgage application to be approved within a 2 to 3 week period and then you would need to allow another 3 week period to complete the legal process. 

Some lenders are a little faster and if speed was a key concern, your mortgage broker could promote certain mortgage providers to assist with a faster turnaround.

Your level of borrowing will be determined by several factors, which will include your level of household income, your level of existing financial commitments i.e. personal loans, credit cards, car finance etc and how long you wish to borrow the money over. 

Your mortgage advisor will be able to confirm the realistic level of borrowing you could secure.

The vast majority of lenders do like to see that you have paid all your financial commitments over the last 3 years however there are a number of lenders that will consider clients with bad credit. Your specialist advisor will look at these providers if your situation requires.

There are several options you could consider:

One would be to do a further advance with your existing provider, often used if you have an early repayment penalty in conjunction with your existing deal.

Two consider a secured loan from a third-party provider, again often used if your existing lender cannot assist a further advance and if you have early repayment charges present.

Debt-consolidation: consider a re-mortgage with a new lender and combine your current borrowings with any new monies required. This allows the entire balance to be on one set of terms and conditions. We would only suggest this if it does not incur any early repayment charges to leave your existing provider.

Consider an un-secured loan i.e. a personal loan, which then does not secure the debt against your property.

If you have an existing mortgage.

If you are within 6 months of your current deal expiring or have no early repayment charges applicable.

You have sufficient income to support the level of borrowing required.

If you have a mortgage balance of no more than 90% of the property value.

Interest rates are on the rise with the bank of England Predicting the base rate to rise a further 2.2%*!

By remortgaging at today’s current rates, you’re potentially protecting yourself from a large spike in monthly mortgage payments that are more difficult to afford.

No one knows exactly what’s going to happen next but the B.O.E rate predictions aren’t a good sign.

Don’t wait for interest rates to get even higher. Find out how much you could save today by taking our free 30-second online assessment.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. IF YOU PROCEED WITH A MORTGAGE APPLICATION, THIS CAN AFFECT YOUR CREDIT SCORE.

*B.O.E Base rate predictions: https://www.bankofengland.co.uk/monetary-policy-report/2022/november-2022

**Data based on 473 clients who completed on a mortgage in 2022 where 51% of clients saved £403.28 a month or more when consolidating existing debts.

***Bank of England base rate: https://www.bankofengland.co.uk/boeapps/database/Bank-Rate.asp

****Characters in our videos are fictional though they may express real opinions. Any likeness is not intentional.

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