Remortgage - Why Use Us

What you would have to do without the remortgage broker support

Find the right remortgage

» Research all the different remortgages and loan schemes available and hope you find a cheap remortgage and one best one to meet your circumstances when remortgaging.

» Research all the different types of mortgage rates to find the one most appropriate to your situation.

» Go to lots of high street mortgage outlets for information on remortgages and sort out which has the cheapest rate for a loan that suits you.

» Attend time consuming mortgage advice interviews to check you qualify for your chosen lender's mortgage schemes.

» Check nothing has changed since you decided on a particular lender.

» Wait for the adviser to assess your situation and get provisional approval of your required mortgage loan.

Once the remortgage advice has been accepted you then have to:

» Sort out a reliable surveyor to check that your property value meets that required for your remortgage.

» Find a solicitor who is experienced in remortgages.

» Check that all the paperwork is correct and suitable to your remortgage.

» Resolve any queries and problems arising from the advice of your professional team.

» Ensure that you have anticipated all the upfront costs correctly and are aware of fee requirements etc so that remortgage can proceed.

» Then you need to sort out the physical requirements of moving home.

Here's how Click n go can help you with Remortgage Advice

When you have decided that you want to replace your existing loan with a fresh remortgage it is quite usual for the circumstance to demand that it is all done as quickly as possible. This could be because you are paying too much for your existing loan or you need to raise more money for a particular purchase or project. In either case delay is the last thing you want. This is where we can be of significant help as we can source and support you through the remortgage process without delay and in the minimum time possible. We have successfully negotiated numerous remortgages even bad credit remortgages for our clients with short turn around times so that they can achieve the goal they have in mind. As with all remortgage situations you have to be aware of any early redemption penalties on your existing loan so that your costs for changing lender are not exorbitant.

How we go about finding a remortgage

Firstly using good independent remortgage broker advice is not usually free or cheap. It is true that we charge a fee for our support but you can see below the advice we give and the support you get throughout the process justifies the cost.

We arrange the following remortgages, looking for the best remortgage and the cheapest remortgage available to suit your personal circumstances.

» Bad credit remortgages
» Self cert remortgages
» Right to buy remortgages
» Council house remortgages
» 100% remortgages
» Buy to let remortgages
» Commercial remortgages

The first way we can help you is to look at the whole remortgage market, not just the high street, for the most suitable loan using sophisticated software that is updated daily to give you the most accurate advice and cheapest remortgage deals available in the market. We will use our professional knowledge to present you with the remortgages that you will find most suitable. Remember not all loan schemes are available to the public direct and that cheap is not always best. Some remortgage schemes are available only through mortgage brokers and not to the public directly. It is because we trade as an independent broker that we can provide you with such a wide range of remortgage products.

We will advise you on the cheapest self cert remortgage deals among the type of rates available (fixed, variable, capped, collared or tracker) and how they can benefit you. We will maintain long term contact with you to ensure that your changing needs are met once any fixed rate period has expired and support you through any changes that need to be made.

How quick is the remortgage advice process?

The second most important help we can give you is to ensure that you are supplied with quick, accurate and up to date remortgage advice. You will need only one detailed discussion with us to establish your situation once you have completed our short online application. This advice can be given over the telephone with written confirmation issued by us within 24 hours. We can source the right scheme for you from literally hundreds available in the whole market and not just the high street.

Once the initial discussion is completed we will obtain an offer in principle which will indicate how much the lender is prepared to lend to you provided the information obtained in our initial discussion is supported by satisfactory paperwork. A significant part of our remortgage advice is to ensure that you can afford the remortgage and are aware of the costs involved. Many remortgage schemes have a free fees offer which will help you to achieve as cheap a remortgage as possible. Again we would point out that cheap is not always best and that it is the whole mortgage scheme that has to be considered not just the fees.

Supporting your remortgage application

As your broker we will monitor and ensure that the correct documentation is supplied to the lender to support the information supplied at the time of our remortgage advice and the application in principle.

As we mentioned above our systems are updated daily to ensure that the remortgage advice we provide is bang up to date. We will hear of any changes at the earliest opportunity and update you of its affect on your application to ensure you get a quick remortgage offer with the least fuss.

Helping you find professional advisors

We have regular contact with the surveyors and their reports. We can advise on the type of survey you should consider and help with any issues that may arise and the ways to go about obtaining further information that may be required regarding damp, dry rot or structural problems etc.

We have a panel of solicitors that we have come across in our routine business. They are both experienced in the legalities of the remortgage process and have demonstrated to us that they can provide a reliable service. It is of course up to you to select from this panel and it in no way restricts your right to choose one of your own. Our panel solicitors will provide an estimate of cost to help you make your decision.

Once the offer has been issued we will check to ensure that it reflects the loan you require and help sort any discrepancy or problems.

We will help resolve and explain any queries raised by the professional advisers working on you behalf.

As part of our initial discussion we explain the costs involved and the likely amounts needed to fund your remortgage and explain when these amounts fall due. We also provide a budget calculator to check that the mortgage is affordable on a monthly basis.

Our aim is to provide you with a complete remortgage service so that you will know how much you can borrow, find you a rate that is cheap and suitable to your needs. You will be able to find the best property you can get and buy it with the most competitive and effective loan available to you within the market. This will be provided in the minimum of time possible to ensure you win the race for your ideal property.

Remember the quality of our service is the strength of our business.