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About Us

Remortgage-net – the right choice

Welcome to Remortgage-net. Our vision here is a simple one, to be the best independent remortgage broker in the UK, regardless of your situation and what you are looking to achieve. Whatever your remortgage requirements we look after you from enquiry to completion.

We know that all that is involved can be daunting, but no matter how complicated the remortgage process might first appear, we will explain it all to you in plain terms, and provide you with all of the support that you need.

Or you may be more experienced, perhaps looking for the best remortgage or you have an extensive Buy To Let portfolio.

The remortgage market is ever changing and having an expert on hand to give you information and guidance remains vital for you to reach an informed decision.

Whatever your experience, our specialist remortgage advisers independent we’re confident you will know that by using our service and speaking to our specialist remortgage advisers, you have made the right choice.

A big decision, get it right

We know there is a vast amount of choice available to you, and that the search for the right remortgage can be very confusing. Our goal is to help you to make the right decision, as getting stuck with a remortgage that is not a good fit for you can have serious financial repercussions that you be tied to for a number of years.

Do you research of course, but always make sure you speak to us as well…

Our approach: helping you make the right decision

“The essence of the Remortgage-net service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. With the recent changes (long overdue) to the mortgage industry, the message from the Regulator and lenders to the UK public is to get professional advice.

As your mortgage is such an important transaction, good advice is imperative. We know that the internet is the first port of call for many people when looking for mortgage solutions; our view is, yes use the internet to do your own research , but then bring it to us and we’ll let you know how your findings compare and then give you the information and advice you need – so that you can make the right decision for your future.” Adam Arnott, Head of Mortgages & Protection

Challenges in the remortgage market

Recent changes to mortgage regulations have had a significant impact on how people can find and apply for the right mortgage; you may have already seen coverage of this in the press.

The one change that has had the greatest impact is the need to ensure that when selecting your mortgage lender, your circumstances meet their criteria and that you provide all of the necessary information about your circumstances right at the start; otherwise, your application might be delayed, or even rejected out of hand. This means that getting good advice from the outset is more important than ever before, not just to make sure that you make it through the first stage, but every stage thereafter to ensure you have a smooth path to completion.

5 reasons to use Remortgage-net

  1. Specialist and independent advice

We provide a personal and professional independent advice service which does not stop simply because your remortgage application has been completed. Understanding everything that you should consider in the advice process is critical and our mortgage and protection specialists bring years of knowledge and experience to help. All our advisers are fully qualified and regulated by the FCA.

  1. Access to over 5,000 remortgages from over 72 lenders

As an independent mortgage adviser, we have access to over 5,000 remortgage deals from over 72 UK lenders, including exclusive remortgage deals. Our systems utilise the latest research software to help you get the best deal for your circumstances.

  1. Access to additional services, carefully selected by us

Including valuations, conveyancing, general insurance and more, we can take the hassle out of making sure you get access to quality and affordable products and services – and since these have all been carefully selected by us, this means getting things done in a timely and efficient manner and since they are accountable, this inevitably means higher service standards.

  1. Contacting you when and how you want

We all lead busy lives, so making sure you are contacting quickly and in a way that is easiest for you plays an important role. We offer a combination of telephone, email, post and texts, delivered according to your needs so that your mortgage is always the top priority, aiming to bring a smooth and successful outcome in all aspects of our remortgage service.

  1. In safe hands, each step of the way

At Remortgage-net we know how important each step of the remortgage process is. Knowing who to contact, what to ask and how can make all the difference in making sure we deliver a smooth and successful remortgage service – one you will want to come back to again and again. This is why you will not only speak to the same adviser throughout the remortgage process, but you will also have a dedicated line of support selected from our experienced administrator and adviser support team.

The all important first steps

By the time you are reading this, you have no doubt already started looking around with a view to making your final decision, by Googling remortgage information and asking people you trust about their own experiences. Now is the time to get in touch with us, to have a quick chat about your circumstances and what is important to you.

We offer a free no strings attached, no pressure initial consultation, and will take some basic details from you before arranging a time for one of our advisors to get in touch. This can be the same day, during the evening, or at the weekend; whatever works best for you. We are confident that once you become familiar with our approach to working with you, and the knowledge and experience that our specialist mortgage and protection advisors can offer, you will be happy to retain Remortgage-net to add value to your remortgage application process and beyond.

Getting things moving

When we have discussed your requirements and tackled any questions that you might have and you are happy to proceed, we will charge you a flat fee of £399.

We believe that this represents excellent value for our service, particularly when compared to solicitors’ fees (£800-£1,000 or more), surveyor’s fees (£300-£750 or more) and remortgage lender fees (from £99-£1,500 or more). Good advice, reasonably priced will save you money; as they say, “if you think good advice is expensive, see how costly it can be to follow poor advice!” We will demonstrate the potential cost savings that we can offer to you, and the future cost scenarios that you might face when you speak to us.

Once you have retained our remortgage advice service, you will be appointed with your own remortgage advisor and a remortgage case handler, both of whom will work closely with you at every stage of the procedure and keep you informed every step of the way.

Need to know how much you can borrow? Our approval in principle service

If you need to know with greater certainty how much you can borrow, our approval in principle service is the best option.  Get ahead of the rest by securing an approval in principle with a specific lender.

For £199 you receive a certificate from us stating the maximum loan giving you the peace of mind knowing that a remortgage would be available. We will also guide you through the initial stages of the house buying process and how to deal with estate agents – the dos and don’ts, what you really need to know and how to go about it.

Need to act quickly? Our Fast Track service

For those who have a deadline or who need enhanced service levels for whatever reason, our Fast Track service is the best option. Trying to complete such a complicated transaction as a remortgage on your own, especially if timing is top priority, could prove costly. Whilst many lenders, banks and brokers are taking weeks simply for an initial remortgage appointment, you can speak to us immediately or if not we’ll call you back within 24 hours.

The fee for our Fast Track service is £499 which includes our standard fee of £349. We deal with your initial enquiry quickly and aim to turn around the remortgage advice and recommendation within agreed timescales tailored to you. You will have two key designated points of contact from start to finish – your remortgage advisor and your case handler.

We also have carefully selected and accountable conveyancers with national coverage and a chain of dedicated surveyors (independent of the lenders of course), all at competitive rates and working to market leading timescales. Our priority is you and your mortgage and you can track its progress and your details at anytime online.

Our remortgage recommendation, tailored to you

As an independent remortgage adviser, we have access to the UK mortgage lender market and over 5,000 different remortgage deals available, including many exclusive deals that are not available directly to the public. This means we can find the very best remortgage for you from all of those available.

The experience of our advisers in combination with them having access to the whole mortgage market means we can cut through the fine print and explain the pros and cons of each product out there. This makes life easier for you, and allows us to tailor our recommendation to the best mortgage for your circumstances.

Applying for your remortgage

Once we have found and agreed on the right remortgage for you, we will manage the application on your behalf, liaising with the lender to ensure that it is processed as quickly as possible. We will use our knowledge and experience in this area to ensure that the whole process happens in line with your expectations. We will of course keep you informed at every stage of the procedure, by phone, text and email-whatever works best for you. We will also provide you with access to our Life and Income protection service.

Once your remortgage has completed successfully, we will stay in touch with you to ensure that you are happy with the service that we provided to you. We will also agree a future time to contact you, to provide you with options going forwards when your existing mortgage deal comes to an end, in order to help you to keep your mortgage costs down and pay off your debt as soon as possible.

Why not go direct to a lender or a fee-free broker?

You might be thinking ‘Surely the cheapest rates are online?’ It is entirely possible to look online for the lowest remortgage rate, find a fee-free remortgage advisor or attempt to negotiate directly with the lender, and we do encourage you to consider these options.

However, when it comes to getting sound advice and experienced guidance on which route you should commit to when buying your remortgage you need to speak to Remortgage-net to help and advise you and make sure that final decision is indeed the right one. Plus don’t forget, our service does not stop when you get started.

We continue to offer an ongoing support service to our customers, by offering regular reviews of your mortgage and protection requirements.

Remember, the lowest rate is not necessarily the right remortgage for you

Understandably, the seemingly-lowest percentage rate available to you might appear to be the most appealing, but this might not be the perfect fit for your property, or it may not be available to you in the area where you live, nor allowable for someone with your income and monthly spending habits.

It also might not offer you the option to remortgage in the timescales you require, nor allow you to let the property out at a later date if you wish to buy another property and rent your current home some way down the line.

There are numerous factors to consider as part of your remortgage decision, and the lowest rate or cheapest fee is just a couple of them. We will help you to understand the whole range of factors that make up the right remortgage choice for you, and provide you with all of the information and advice that you need to make an informed decision, and one that you will be happy with in the future as well as right now.

Remortgage-net: a fresh and dynamic approach, built on experience

Remortgage-net offers a fresh and dynamic approach to the remortgage advice process developed around the current mortgage market and the changing needs of customers. The foundations of our service are built on the knowledge and experience of our mortgage and protection specialists, working closely with our experienced support team.

Remortgage-net is a trading style of Fair Investment Company Limited, who are authorised and regulated by the Financial Conduct Authority (FCA). Fair Investment Company Limited was established in the year 2000, to provide a range of online financial services and products to the UK market.

Our clients include individuals, business, charities, trusts, pension schemes, and clubs and associations.  We are specialists in gathering a full understanding of our customers’ needs, understanding the modern demands on delivering financial services and developing a first-class service around them.

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