REVIEW YOUR EXISTING MORTGAGE
Understand your options
If your current mortgage rate is coming to an end in the next 6 months, or you simply need to review your mortgage, let us review the whole market for you, including the offering from your current lender.
We know everyone's circumstances are unique and we'll discuss and show you all of your options in a clear and concise way.
Once we've agreed your preferred option, we'll organise the remortgage on your behalf and keep you updated throughout
THE REMORTGAGE PROCESS
Saving your precious time
We all lead hectic & busy lives, so we ensure that we do the majority of the work to save your precious time.
All we ask after our initial call is for some documents and for you to complete the legal paperwork from the nominated solicitor when required.
Naturally we'll speak during the process and keep you informed on a regular basis.
Every situation is different, and whilst we can’t guarantee how long it will take… on average it can take 6 - 8 weeks from application to completion…
WHAT DOCUMENTS WILL YOU NEED?
Lenders will need some documentation from us to help demonstrate that you can afford the mortgage we request. Whilst we'll discuss with you during our initial call, if you can prepare the following documents (preferrably scans or electronic versions) it will save time and ensure a smooth process.
We'll provide you with a secure portal to send your documents over to us when required.
ID
Scanned copy of your Passport or Driving Licence
PROOF OF ADDRESS
Recent Utility Bill, Council Tax Bill or Bank Statement
PROOF OF INCOME
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Employed Clients - Latest 3 Monthly Payslips and Latest P60
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Self Employed Clients
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Latest 2 Years Accounts, or
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Latest 2 Years HM Revenue & Customs (HMRC) Tax Calculation accompanied by corresponding Tax Year Overviews
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BANK STATEMENTS
Latest 3 Full Months Bank Statements for all active current accounts - showing both salary credits and outgoings (direct debits, standing orders etc)
MORTGAGE DETAILS
Latest Mortgage Statement
What you need to know
There may be a fee for arranging a mortgage, typically £199 for Residential and Buy-to-Let remortgage applications, £375 for residential and buy-to-let purchase applications and £499 for applications with specialist lenders due to adverse credit. Fees are payable upon receipt of your Mortgage Offer from the chosen lender.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.
The guidance and/or advice contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.
MHC Mortgage & Protection Ltd is an appointed representative of HL Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority. HL Partnership Ltd is entered on the FCA register under reference 303397
MHC Mortgage & Protection Ltd is registered in England and Wales - 12067840 – Registered address – 13 Aurum Close, Whitstable, Kent. CT5 3FN