"Thanks to Blackstone Financial Solutions, we got a really good deal. Definitely a broker we will use again. Have already recommended to friends!!"
Arrange a great new interest rate for your current home or property
We are pleased to offer new and existing re-mortgage clients a special discount on our normal broker fee, reduced to only £295. Payable on successful completion. To take advantage of this web offer please use any of the Contact links on this page and quote RM2H within your enquiry.
Whether the fixed or initial rate of your mortgage is coming to an end or you are looking for a better deal to save you money on your current mortgage, consult a qualified top rated mortgage professional for expert advice and re-mortgaging deals suited to your needs.
The current low interest rate environment means now could be the right time to secure a great deal.
We’ll compare 1000’s of mortgage deals and arrange your mortgage application, so you don’t have to. We access the best mortgages from over 65 lenders with many exclusive deals not available directly. A professional adviser will be delighted to talk to you and take the time to ascertain your needs and financial circumstances before advising on the options available to you.
Why should you consider re-mortgaging?
Re-mortgaging simply means replacing your current home loan with a new mortgage. The main reason that you might want to re-mortgage is to save money. But there are many other reasons to consider re-mortgaging:
- Your current deal is about to end
- You want a better rate
- You’re worried about interest rate changes and are seeking payment certainty with a new fixed rate
- You want to borrow more money
- You wish to change the length of your mortgage i.e. the term of your mortgage
- You want more flexibility
- Your circumstances have changed and you wish to review your options
- You are currently paying your lender’s Standard Variable Rate (SVR) - the chances are you could substantially reduce your monthly mortgage costs by switching to a cheaper deal.
When should I think about re-mortgaging?
Don’t wait until your current mortgage deal ends to think about re-mortgaging. Ideally you should start looking for a new mortgage at least three months before your mortgage deal expires, so that everything will be sorted out by the time this happens. If you leave it much longer than this, then you’ll usually end up paying your lender’s Standard Variable Rate (SVR) until your new deal starts, which is likely to be much higher than the rate to which you are re-mortgaging.
Don’t forget, re-mortgaging does not mean just making a switch to the lowest rate but is a good chance to take proper advice, revisit the repayment method, perhaps reduce the term and knock years off your mortgage or look at different products that may now be suitable. Your Blackstone adviser will look at your individual circumstances to discuss and advise the best solution for you. At Blackstone there is no shortage of access to good products with plenty of lenders offering incentives such as a free valuation or a cashback and many exclusives not available directly.
Your adviser is also up-to-date with the ever-changing choice of protection products and will help make sure you, your family and your home are protected for the future.
What can I do to speed up the process?
Re-mortgaging does require a little bit of effort on your part but could generate a lot of savings. It is worth getting together the information and documents your adviser will need and sending them in one batch. It will make the whole process smoother and reduce the time taken to get your mortgage agreed and switched to your new interest rate.
Your adviser and new lender will need to see any, or all of:
- Your last three months' payslips
- Your last three months' bank statements
- If self-employed - your last three years' accounts (speak with us if you have been trading for a shorter period)
- Proof of bonuses/commission
- Your latest P60 if available
- ID & Proof of address documents (e.g. Passport, Drivers licence)
- Your policy schedules for your life, illness and property insurance.
Let Blackstone Financial Solutions find and arrange the right solution for you.
Free initial consultation - Contact us now for a no-obligation mortgage review. Homeowners quoting the code RM2H will pay a fixed-price broker fee of £295 due only on successful completion. There is no initial charge for your discussions with a Blackstone adviser and our comprehensive research into your re-mortgage options. Our broker fee is for success-only and there's nothing to pay us for our expert advice and arrangement service until the completion of your mortgage switch to the new lender.
Use our online calculator to get an idea of how much you could borrow.
Do take a look at our twelve tips for mortgage success.
Please quote code RM2H to take advantage of the reduced fee offer. Offer applies to Re-mortgages only and not any other type of loan. T&Cs may apply. This offer is not available for use with debt consolidation, adverse credit, complex or non-standard income, circumstances, property type, property features or title. Please speak to your Blackstone adviser for further details. We reserve the right to withdraw or amend this offer at any time in the future.
You may have to pay an early repayment charge to your existing lender if you remortgage. Before you re-mortgage, please check with your existing lender for any restrictions which might prevent you moving to a new mortgage deal. For example, if you are currently locked into a special or fixed rate deal, there may be an early repayment charge to pay if you want to leave before the deal ends. In some cases, the savings from re-mortgaging may still outweigh these costs. If in doubt, speak with us first. Your adviser can start to check the market three to four months before the end of any early repayment charges on your current mortgage and begin to line things up ready so that you move onto a competitive new rate straight after the expiry of your early repayment charges.
"Excellent service and very good mortgage rate, highly recommend"
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- No lender fees
- No early repayment charges
- Valuation fee refunds
We access the best mortgages from over 65 lenders and many exclusive deals not available directly.
Years of experience means our quality advice will be tailored completely to you.
The best service is personal service; we really care about your experience.
Our dedicated team are with you every step of the way.