- We make it a simple three-step process mortgage selection, application, valuation.
-We strive to secure you
- Help you to make long term savings. Overtime.
If you are considering remortgaging, make sure to contact our independent advisers who will consider all your circumstances as well as available deals before offering impartial advice about which remortgage options are right for you.
In today’s competitive market, many borrowers choose to remortgage (switch their current mortgage to a new lender) or undertake a product transfer (take a new deal from their existing lender) every few years in order to take advantage of the new rates and products on offer or to fit changing life circumstances. Both options should be considered several months before any existing deal finishes.
Remortgaging can be an ideal solution for those looking to:
Raise money -
Higher-income or a rise in your property’s value means you could increase your mortgage to help pay for major outgoings such as Home Improvements, a wedding or your child’s university costs, rather than borrowing separately, and in some cases more expensively, from other sources.
Consolidate debts -
Remortgaging can allow you to release some of the equity you hold in your home and consolidate other debts, such as a car loan or credit cards, which can attract higher rates of interest than that of your mortgage. While this could reduce monthly payments, it may mean you pay more over the long term, so should be carefully considered and professional financial advice sought.
You may have to pay an early repayment charge to your existing lender if you re-mortgage.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
Don't JUST take our word 4 it
A work friend recommended J4M to me. When I first approached them, I wasn't overly hopeful because of my complicated circumstances (adverse credit history, and seeking a buy-to-let loan). However, my Adviser knew exactly which lenders would be open to doing business and those that wouldn't; her advice was practical and, above all, realistic. On the occasions when I contacted J4M and she wasn't available, there was always someone there who could readily look up the details of my case. The whole process took a few months, although that was beyond their control, and I'm pleased to say that I picked up the keys to my new home yesterday. I wouldn't hesitate to use this broker again, and I'd certainly recommend the initial outlay on using them rather than approaching banks/lenders directly.
These guys are outstanding every time! They have dealt with several properties purchased by us and the service is second to none! Great communication, everything explained in details, brilliant service! Special thanks to Emily who has been more than helpful and informative on each purchase, even sorting all insurances out for both myself and the tenants. would fully recommend 100%.
I've recently used Just 4 Mortgages for my re-mortgage and their service has been first class!!!! Through the process their communication has been excellent and they have been really supportive with any questions I've had. The team are friendly, knowledgeable and supportive. I will defiantly be using them in the future.
Just4 are absolutely fantastic, I would never use anyone else! I've used them 3 times now and the service has been second to none. I always recommend them to everyone, especially first time buyers. Lauren and Shelby in particular have been so helpful to me recently when buying my home, thank you very much ladies!
Aimee and Emily have been brilliant and have sorted everything in regards to my remortgage, when I have called and asked they have given me their full divided attention. I will definitely use them again in future. Xx
Aimee and Emily have been amazing! They made the nightmare of buying a house much less of a mare. My main point of contact was Emily and she was always quick to respond and super helpful! Cheers Guys I’ll think of you when I’m cracking open my celebratory bottle next week on move in
Just completed a mortgage and had a fantastic service from start to finish. Emily was superb in answering every question I had (and there were many!). Correspondence was quick and easy to digest and I have full confidence that I am on the best product for my circumstances and objectives. Would highly recommend.
I cannot thank Lauren and Shelby enough. As first time buyers it, Lauren made it so easy for us and made sure that everything went as smoothly as possible. Definitely do not know what we have done without you both. Thank you both and I look forward to seeing you in 2 years!
Would very highly recommend Just4Mortgages to anyone they all went above and beyond with my remortgaging process, communication was fantastic always answered any queries I had straight away never chasing them definitely will be using them again in the future if I need to
Excellent customer service by the staff at just 4 mortgages Mansfield. Very friendly, helpful. Excellent customer service. Keep you informed. Get you a good mortgage deal. Will definitely be using them again and definitely recommend.
As a first-time buyer, I could not have had a better experience with the Just 4 Mortgages team, Lauren & Shelby especially. Every question I had was answered quickly and in detail and the overall experience was smooth, friendly & helpful.
"An excellent, reliable & professional outfit , Justin & his team have looked after my mortgage interests for many a year, wouldn't go elsewhere"
Giustin and his team are absolutely fantastic and have been throughout the entire process. The first-time buyer so was all a bit new to us, Giustin made it really simple and explained everything in detail. The team in the office were great handling any queries we had and acted very quickly when we needed anything sent over. I will certainly be recommending Just 4 Mortgages to anyone requiring this service."
"Fantastic, Fast and Fabulous Service. Could not be happier with them. Special thanks to Kerri and the team. Highly recommendable!"
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Looking to move? We can help with that too, check out our estate agency Just Move here!
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but a typical fee will be £494