A broker works for you, not the lender, which helps you secure the most suitable and competitive rate available, searching the entire market, not just one lender’s products. TMB is an independent mortgage broker.

Remortgaging can save you thousands, but finding the right deal alone can be overwhelming. Here is why using a qualified remortgage broker gives you better results, and faster.

At The Mortgage Broker, we combine expertise, digital speed and human trust. Our CeMAP qualified, FCA regulated advisers compare over 25,000 mortgage rates across more than 130 UK lenders. Not only able to search lowest rates, but ensuring your remortgage is handled with knowledge, transparency and care.

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A remortgage broker works for you, not the lender, helping you secure the most suitable and competitive rate available.

What Does a Remortgage Broker Do?

A remortgage broker helps you review your current deal and switch to a new one that better fits your needs and ensures you search the market for the best rate. With very little information, a mortgage broker can search the market, rather that you just being limited to your own lenders remortgage options.

• Compare deals from high street and specialist lenders.
• Manage the paperwork and lender communication.
• Provide independent, regulated advice based on your needs.
• Ensure your remortgage completes smoothly and securely.

Why Not Go Direct to a Lender?

It’s tempting to call your bank when your deal ends, and they push for this, but that categorically limits your remortgaging options.

Benefits of Using a Remortgage Broker

Access to More Lenders

We are not tied to one bank. Our independent approach helps you find better rates and terms. If your current lender offers the best deal, no problem, we will recommend that.

Independent 

A remortgage broker simply works for you, not any particular lender. No affiliation or preference with one mortgage over the other, so everything we suggest, is because it is the lowest cost, or the right product for your needs.

Save Time and Reduce Stress

You can search the market in minutes. We handle research, forms and communication. You you can focus on life, not paperwork.

Tailored Regulated Advice

Every recommendation is fully FCA regulated and based on your personal goals, income, and property. Our Consumer Duty is of paramount importance, so you will receive honest advice that is right for you.

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Solutions for Complex or Bad Credit Cases

We work with lenders who understand self employment, multiple incomes and credit blips are very normal. In fact, it is not just about not having perfect credit scores, we have specialists across IVA’s, DMP’s, Bankruptcy, Defaults, CCJ’s and much more.

Ongoing Support

We review your mortgage regularly and contact you when a better deal becomes available.

You can lock in a rate with a mortgage broker, without commitment, safely in the knowledge that you won’t lose this. However, rates are monitored and if better rates become available, you can simply switch to those.

Why a Remortgage Broker Is Better Than Going Direct

Using a Mortgage Broker means you avoid:

• Missing out on a lower rate.
• Multiple hard credit checks.
• Unsuitable or overpriced products.
• Missed opportunities with specialist lenders.
• Stressful back and forth with banks.

A remortgage broker helps you apply once, get clear answers, and move forward with confidence.

The Remortgage Process – 5 Simple Steps

1. Quick conversation (or WhatsApp): Understand your goals, circumstances and needs.
2. Soft search: A quick Mortgage in Principle with no credit impact.
3. Market Search & Recommendation: Compare thousands of products, and suggest options
4. Mortgage Application: We manage everything with the lender.
5. Completion: You complete your remortgage smoothly.

At The Mortgage Broker, we support our clients with 247 Mortgage Monitoring. Any of our customers have mobile access to all info, and updated throughout their mortgage term. If better options become available, then your mortgage will be proactively managed.

When a Broker Adds the Most Value to the Mortgage Process

• Any time you are unsure.
• Nearing the end of a fixed rate.
• Self-employed or with complex income.
• Landlords or limited company directors.
• Releasing equity or consolidating debts.
• Borrowers with bad credit or CCJs.

Why Choose The Mortgage Broker

• 2,500+ 5⭐ Trustpilot reviews and 5/5 Google rating.
• Over 450 combined years of experience
• FCA regulated, CeMAP qualified advisers.
• Award winning service known for clarity and care.
• Specialist experience with complex and high-value mortgages.
• GDPR regulated, Consumer Duty bound and secure from start to finish.

0800 0320 316

Quick Fire Remortgage FAQs

Is it worth using a mortgage broker to remortgage?
Yes, brokers often access better rates and handle the process faster than banks.

Do mortgage brokers charge fees?
Yes, but not for advice. Any fee will only be charged if you find the mortgage you want and you proceed. The Mortgage Broker saves more money for clients by finding better mortgages.

Can I remortgage with bad credit?
Yes. Absolutely. We work with lenders who specialise in bad credit and complex cases.

Will using a broker affect my credit score?
No,  our initial soft search has no impact on your score.

When should I start remortgaging?
Begin anytime from 6 months prior to your fixed rate ending. Any rate can be locked in and switched should a better one be available. Avoid going onto you lenders SVR. 

Final Thoughts

Remortgaging is one of the biggest financial decisions you willl make. Using a remortgage broker ensures you are not limited to one lender’s deals and gives you the best chance of finding the most suitable mortgage for your goals.

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0800 0320 316

Important Information

Your home may be repossessed if you do not keep up repayments on your mortgage. If consolidating debts, remember that securing unsecured debts against your home may increase the total cost of borrowing.