5.0
from 184
reviews
FCA Regulated Mortgage Advice
Access to 90+ UK Lenders
Trusted by UK Homeowners
5.0
from 184
reviews
Just completed a remortgage with Kelly. It's the second time she has helped me navigate the minefield and I couldn't recommend her more. Always responsive and helpful, she kept the whole process stress free. Very happy with the service!
Dave Shaw
Fantastic service, wonderful team. I've used this company for the last 10 years and wouldn't use anyone else. Anna is extremely knowledgeable and has the client's best interests at heart. Don't hesitate to use!
Annie Judd
If you're looking for a team to help with your mortgage needs, I highly recommend My Simple Mortgage. Always available to answer questions, handled everything with ease, making the experience completely stress-free. Their knowledge is unmatched, and they truly go the extra mile to help."
Lee Quoroll
Reduce your monthly mortgage payments
Why Choose My Simple Mortgage?
Traditional remortgaging can involve weeks of paperwork, repeated requests for documents and long waiting times. We've built a faster, simpler process that helps get your application moving sooner.
Traditional Brokers
Multiple document requests
Lengthy affordability checks
Weeks of delays
Repeating information
Limited lender options
Unclear progress
Secure Open Banking verification where suitable
Technology-supported affordability assessment
Applications from as little as 4 hours
One streamlined application
Access to a wide panel of lenders
Regular updates from your dedicated adviser
How It Works. Remortgaging Made Simple.
1
Tell Us About Your Mortgage
Complete our quick online form with a few details about your current mortgage and what you'd like to achieve.
2
We Search the Market
Our advisers compare suitable products from a wide range of UK lenders to identify options that match your circumstances.
3
Receive Personalised Advice
We'll explain your options clearly, answer your questions and recommend a mortgage that's suitable for your needs.
4
We Handle the Application
From paperwork through to lender communication, we'll manage the process and keep you updated every step of the way.
Is Your Fixed Rate Ending Soon?
Many lenders allow you to arrange a new mortgage several months before your current deal finishes. If you wait until your deal ends, you could automatically move onto your lender's Standard Variable Rate, which is often higher than fixed-rate deals.
Starting your remortgage early may give you more choice and more time to secure a suitable deal. If your mortgage deal ends within the next six months, now is a good time to explore your options.
Will checking my options affect my credit score?
An initial discussion with us won't affect your credit score. If a lender needs to carry out a credit search as part of an application, we'll explain this before it happens.
Is your advice free?
Your initial consultation is free and without obligation. We'll explain any fees clearly before you decide to proceed.
How long does the remortgage process take?
Timescales vary depending on your circumstances and chosen lender. Thanks to our streamlined process, applications can be submitted in as little as 4 hours once we have everything we need.
Can I release equity?
Yes. Many homeowners remortgage to release equity for home improvements, major purchases or other legitimate purposes. We'll explain your options and whether this is suitable for you.
Can I borrow more?
Potentially. This depends on your income, affordability, property value and lender criteria. We'll assess your circumstances and discuss the options available.
Do I need a solicitor?
Many remortgage products include free legal services, although this depends on the lender and product selected. We'll explain what's included with any recommendation.
My Simple Mortgage Ltd T/A My Simple Mortgage is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. My Simple Mortgage Ltd is registered in England and Wales with company number 09275345. Registered office: The Mount, Etruria Road, Newcastle-under-Lyme, Staffordshire, ST5 0SU. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. 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 Lets.