Remortgage | New Mortgage options and Home Improvement Loans

Homeowners – Need a New Mortgage Deal, Thinking of Remortgaging? Arrange a Free Remortgage Consultation at a Time That Suits You


People decide to remortgage for many reasons:

  1. Existing deal coming to an end
  2. To get a lower interest rate
  3. To change a residential mortgage to a buy-to-let mortgage
  4. To borrow more money for home improvement loans
  5. To consolidate existing debt

remortgageWhatever your reason for re-mortgaging it is important to carefully consider that it is the best option for you at that time. Our remortgage advice will help you think through this decision at our Free Remortgage Consultation.

We DO NOT charge a fee for our initial mortgage advice!

Moving lenders is not always the right thing to do. It is important to consider fees involved – both those of the new lender and those of you existing lender, who may charge you to exit your current mortgage.

At your Remortgage Consultation we will discuss your current circumstances and your main aim in re-mortgaging. This will help us to establish your needs and confirm if re-mortgaging is right for you.

It may not be necessary to change lenders as we can contact your existing lender, with your permission, to negotiate a better deal on your behalf. We will search the market to find which deal is best for you and then compare it to your existing deal, taking into consideration fees and charges that will apply.

Because we work with all the major UK lenders, as well as the local ones, you can be sure of independent mortgage advice, best suited to your needs. Each lender has their own lending criteria but our expert knowledge will make sure we find a solution that is matched to your own specific circumstances.

You will leave the Remortgage Consultation knowing that you are making the right decision – whether you change lenders or simply end up with a better deal with your existing lender.

So, what are steps involved?

  1. After assessing your aims and needs we will recommend the best deal for your circumstances
  2. On you agreement we complete your mortgage application
  3. Lender reviews and processes the application
  4. Property valuation is carried out by the lender
  5. The lender issues a mortgage offer and completion is agreed
  6. We note the expiry date of your new deal and contact you around 3 months before that date to start the process all over again – giving you peace of mind that your mortgage deal remains the best for you.

You may have to pay an early repayment charge to your existing lender if you remortgage.


Buying your first home is an exciting time but choosing a mortgage adviser and getting mortgage advice can also be quite daunting. At The Mortgage Clinic we want to take away some of the worries you may have around the finances of buying a home. Our Free Initial Mortgage Planning Consultation does just that!

People move house for many different reasons. Whether you need to upsize or downsize or just fancy a change of scenery there is always lots to think about. At The Mortgage Clinic we want to answer the questions you may have around the finances of moving home. By using a mortgage broker like The Mortgage Clinic, we will help you shop for the best deal for your circumstances. Our Free Home Mover’s Mortgage Planning Consultation does just that!

The Mortgage Clinic was founded in early 2015 by Helmut Elstner, Mortgage Advisor who unlike the name suggests is from N.Ireland. It is a young and innovative company that provides independent free Mortgage advice. We have close links to the local property market and estate agencies, so you can be sure that we are true experts in the mortgage market!

Your first meeting is FREE of charge. If you instruct us to work on your behalf there will usually be a research and implementation fee. The actual amount you pay will depend upon your individual circumstances but a typical fee is £250 and this is payable when you instruct us.