Applying for a remortgage is much more straight-forward than applying for a brand new mortgage to buy a house, although many of the processes are similar.

We will interview you over the phone to gather as much information about your circumstances. This information will be used to place you with lenders that meet your needs. You will then make an informed decision on which product to choose and we will send out the paperwork.

Once your fully-completed remortgage application form has been received (we can help you with this if you like), a valuation will be arranged and carried out; this will normally be completed within a matter of days.

In the meantime, we will begin to underwrite your remortgage application, checking that you have supplied all the necessary paperwork (see: How do I apply for a remortgage?). We will also do a credit check on you and anyone else involved in the remortgage application; credit checks are done electronically and so the results are available almost instantly.

Providing that you have supplied all of the necessary information and we are satisfied with your credit score, and happy with the remortgage valuation, we will then be able to issue you with a formal remortgage offer.

Where possible, to speed this process up and find out if you are likely to have any problems getting a remortgage, we can ask for a ‘Decision in Principle’ before you fill out the remortgage application form. This will be based on the information given in your initial interview. It is worth remembering that getting a ‘Decision in Principle’ does not mean you are guaranteed to get a remortgage offer.

firstaidmortgages.com are remortgage experts; we specialise in providing remortgages for homeowners. So whatever type of remortgage you are looking for, and whether you have current or previous credit issues, then we can find the right remortgage to suit you. We can do this even if you cannot prove your income.

We’re here to help, so to help you get started contact us today.