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1 IN 5 OF US ARE PAYING TOO MUCH FOR OUR MORTGAGE! Whatever the reason you may wish to remortgage your property always seek independent financial advice.

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young couple

“Thank your team for a truly excellent, top class service over a remortgage just completed especially Simply Finance who were very efficient.They will be highly recommended as far as I am concerned, in the future.”

Rosalind, Chesham

young couple

“When I visited your website I was desperate as my finances were in a real mess. You recommended us to a mortgage adviser and through their help and patience secured a mortgage for me through a building society who were sympathetic to my needs.

“For the first time in over four years I was able to sleep at night and thank you so much for helping me out. I have recommended you to all my friends and family.”

Robert, Crawley

young couple

“Thanks for an outstanding and efficient job. You guys are head and shoulders above all other websites I visited and the follow up from the mortgage advisers was prompt and efficient. You can be assured that I refer you to my friends as well as my clients.”

Julie, Brighton

young couple

“I thought that I would never be able to qualify for a mortgage after my bankruptcy. You are truly miracle workers.”

John, Surrey

young couple

“I was referred to RemortgageMe by a relative. It was at a time I needed real help in getting my financial situation in control.

“The whole process was so quick from filling in my details to the adviser calling me. I'm looking to complete on my remortgage next week.”

Peter, Nottingham

Poor credit remortgages

It is estimated that one in four of us have, or have had, some poor or adverse credit issue at some time in our lives. Depending on what that issue is does not stop us getting a mortgage but it does mean we have to know where to look. If you have a current issue such as a CCJ (County Court Judgement), missed mortgage or loan payments, bankruptcy or IVA (Individual Voluntary Agreement) many of these products and services are not available via the High Street lenders and you need to seek independent advice to get access to these services.

Your independent advisor should help you find a lender who will loan you the money (this may be at a slightly higher interest rate) but will also help you plan ahead. You should aim to try to achieve a sustained period of good credit history so that, in time, you can benefit from some of the cheaper deals available from the High Street lenders (this may typically take about 2 years). Ask your personal advisor about a Mortgage Management Scheme.

Resist the temptation of spending on credit or store cards (the interest rates they charge are phenomenal). Don't take out unnecessary loans, run up overdrafts or spend on things you don't need. The short term gain of these credit agreements will come back to bite you and your first priority must be to get your mortgage back on track and ultimately save yourself thousands of pounds by paying a lower interest rate.

Always get independent advice on these products!

To speak to an independent FSA (Financial Services Authority) regulated mortgage advisor now complete our no obligation enquiry form below. This service is completely free and your personal broker is under obligation to give you 'best advice' depending on your circumstances and requirements. Your personal independent broker may suggest other mortgage products to you that you may be unaware of.

Please tell us about yourself
Required mortgage type
First name*
Last name*
Date of birth*
House Number*
Email Address*
Is this a single or joint application?*
Joint    Single
Your property and mortgage details
Mortgage amount required (£)*
Approx. value of the property you are remortgaging(£)*
Current lender*
Purpose of remortgage*
Your circumstances
If the answer to any of the questions below is Yes, please tick the box. This will not hinder your mortgage enquiry but will help us find the most suitable product for you.

Have you or the joint applicant had a CCJ in the last 3 years?
Yes    No
Have you or the joint applicant ever had an IVA?
Yes    No
Have you or the joint applicant ever been declared bankrupt?
Yes    No
Have you or the joint applicant missed any mortgage or secured loan payments in the last 2 years?
Yes    No
Any other information