Remortgaging

Your journey with Springate Mortgages looks like this:

An illustration of a person holding a phone

Got some quick questions?

If you’re not sure where to start or have burning questions, a quick call can make all the difference. We’ll listen to your plans, answer your questions, and give you an idea of your options—all in just 10-15 minutes.

Book a quick call

A more in-depth meeting

We’ll help you understand what the process will look like start to finish, what’s possible for you, the likely monthly payments and importantly help you understand when is best to apply (timing can make a big difference when remortgaging). 

We’ll also talk you through how the legal side of a remortgage works - don't worry there is a lot less legal work for a remortgage than when you buy or sell. 

By the end of this meeting you’ll be very confident on what you need to do and when.

Full application

This is where you’ll make decisions on things like: how much to borrow, whether to fix your mortgage or not (and if fixing, then how long for), how many years you want the overall mortgage to be, anything else you may need to consider and important things like Insurance too.

Ongoing support

Once we apply we’ll push the lender all the way to get things approved as quickly as we can. The legal part of a remortgage is a finely tuned process when compared to buying or selling and we’ll be able to help with this if you require assistance. We’ll also keep an eye on interest rates and if the rate we’ve applied for improves between now and the mortgage completing, then we will look to make positive changes for you.