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About The Mortgage

Remortgaging your home? 

Compare mortgages from the whole of market to find the best remortgage for you.

Which is the Best Remortgage for me?

Home Improvements Remortgage
Remortgage your home to make the home improvements you dream of.

Remortgages and mortgages alone can be confusing. Amber Mortgage Solutions ensure that you are assigned an independent remortgage adviser with the expertise to find you the best deal.

We offer you whole of market independant advice on the best mortgage option for you, following an in depth consultation to ensure we fully understand your remortgage needs.

Call us on 01702 619 221 and we will put you in touch with one of our locally based mortgage advisers who will guide you from the initial fact finding questionnaire through to completion answering any questions you have along the way.

We’ll concentrate on helping you compare mortgage rates with the following in mind:

  • Fixed, tracker, discount and variable rate mortgages
  • Repayment and interest only mortgages
  • Free survey and cash back deals
  • Early repayment charges

Have a chat with one of our friendly advisers today who are on hand to help you, call us on 01702 619 221.

How We Work

Remortgaging can be used to release capital in your property for those big life time family events, like a child going to university or getting married.
  • To start with please either call us or complete the above application form.
  • One of our mortgage consultants will be in touch with you to discuss your application.
  • After we have your details, we will search the market for the best schemes to suit you.
  • We will then talk you through the details of your mortgage.
  • 100% Secure, Confidential and hassle free.

It is often much simpler to remortgage than buying your first home or moving home.

There are two main options when it comes to Remortgaging.

Stay with your existing Lender

You may choose to remain with your existing lender and switch onto another deal. This makes the process even easier. You can get a broker to assist you with this to make sure that you go into your next mortgage product safe in the knowledge that you have the best available mortgage.

Remortgage to a new lender

If you choose to switch to a new lender Amber Mortgage Solutions can assist you every step of the way, we can find you the right mortgage for your needs. We can do all of the hard work for you, call us on 01702 619 221 to book an appointment or go through your application over the phone, we will find you the mortgage that suits your needs, taking into account all aspects of the loan, from the booking fee to the penalty for early repayment.

You will likely need some documents for the application, these usually include:


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  • Proof of income, and expenditure, a P60, recent payslips
  • Bank statements and latest mortgage statement(where applicable)
  • Information from your employers, other lenders, your landlord
  • Identification, Passport or Driving License

Here at Amber Mortgage Solutions we manage this side for you and ensure that you have provided sufficient evidence to support your application if you are aware of the requirements before you apply and you have them all ready you will find it much easier. Maybe get a folder and put all of these documents in there ready for the application.

What are the reasons to remortgage your home?

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These days there are so many mortgage options available to you that to remortgage can ensure that you are getting the best deals available to you.You may also find that like with insurance policies it is best to switch your mortgage regularly to ensure that you are getting the best available options.

Why remortgage?

To Save Money
If your fixed rate mortgage has ended and you are now on your lenders Standard Variable Rate (SVR) you are likely to be paying a higher rate of interest than you could if you were to switch to another Fixed Rate Mortgage or Tracker Mortgage You may find that even if you have an Early Repayment charge on your mortgage that you may still be better off in the long run.

Call us today on 01702 619 221 to see if you can get a better deal.

Why Move, Improve
You may wish to “pull out” some of the capital in your property to add an extension, this can be achieved by Remortgaging or taking a further advance

Raising Funds for other purposes.
If you have a major expense like a child to support through University or a wedding you may wish to use some of the capital in your property to pay for these. By remortgaging you may find it a cheaper option than any other form of lending

Debt Consolidation
If you have other debts and are struggling with the repayments you may find that you can make your monthly outgoings less by remortgaging and consolidating your debts.

Allow Amber to take that hassle away from you with our dedicated remortgage team on hand to guide you through the entire process, call us today on 01702 619 221 for hassle free remortgage advice.

Considering remortgaging but worried about your bad credit history?

We understand that a history of bad credit can make finding a lender willing to provide a remortgage difficult. However, don’t let the fear of bad credit put you off on looking at remortgaging. Amber Mortgage Solutions can still help you save money by switching your existing loan.

There are a number of credit issues for which you can still qualify for a remortgage.

If you still have any concerns, then do not hesitate to get in contact today. Call 01702 619221 to arrange an appointment or to discuss with one of our superb Bad Credit Remortgage brokers over the phone.

How to Access Your Credit Report

Frequently Asked Questions

Bad Credit Remortgage Solutions

Want to Remortgage With Bad Credit? Find Out How

Worried about how your credit score may impact you chances of getting a mortgage?

Thinking of remortgaging? A remortgage can be a great way of releasing capital in an existing property when you’re looking to raise funds, whether it’s for home renovations, a holiday or even buying a new car.

Whilst remortgaging can be relatively straightforward for most, for people in need of a bad credit remortgage, things can be trickier.

Fortunately, here at Amber Mortgage Solutions we have helped to successfully arrange a remortgage with bad credit history for hundreds of clients who have been turned away elsewhere.

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01702 619 221

Open: Monday - Friday 8:30am - 5:00pm

Mortgage Quick Find

Quick FAQs

Take a look at our extensive FAQ section

For the answers to some of our most commonly asked questions, below.

Can I remortgage to clear my debts?

Some people may decide to remortgage as a way to clear any existing debts, such as credit cards and personal loans. This can be a beneficial way of reducing the amount of interest charged on your outstanding debts as mortgage rates tend to be considerably lower than the interest rates on other forms of borrowing. When you remortgage with a different lender, then you may be able to borrow extra money. This depends on the lender’s maximum loan-to-value (LTV) ratio, the equity available in your property and your affordability. If you do decide to go down this route, then it is still important to remember that whilst you might be paying a lower rate of interest, you may end up repaying more in the long term, over a much longer amount of time.

Can I remortgage to pay off my bad credit (e.g. CCJs, defaults, IVAs etc.)?

Whilst it may be possible to remortgage and borrow extra funds to pay off any debts you owe, with credit problems such as defaults or CCJs on your file, getting a mortgage deal of any kind can become more difficult. Fortunately, there are lenders who specialise in mortgage and remortgage deals for people with a poor credit history. Please note, if you are hoping to secure extra money against your property, you may risk losing your home in the event that you fail to make your mortgage repayments.

Can I remortgage to clear a tax bill?

With sufficient equity in your property, it may be possible for you to remortgage and borrow extra finance to pay the tax amount that you owe to HM Revenue & Customs. Whilst the majority of lenders will not lend to a homeowner for the purpose of clearing a tax bill, there are some specialist lenders who will be happy to consider your application. With experience of different lenders across the whole market, our bad credit brokers can advise on the best lenders to suit your unique circumstances.

Can I remortgage for business purposes?

Even though most high street lenders will not permit finances raised on a remortgage to be used for businesses, there are some specialist lenders who are more accommodating to those who wish to remortgage for business purposes. Again, it is important to remember that by borrowing money against your property for business, you risk losing your home if you or your business run into financial troubles.

Can I remortgage to rent out my property if I have adverse credit?

Even with a poor credit history, it is possible to remortgage your standard residential mortgage to a remortgage buy to let with bad credit mortgage with a different lender. However, with affordability assessments for buy-to-let mortgages now using stricter criteria, a history of adverse credit may reduce the options available to you. An expert bad credit broker can help to increase your chances of finding the best lender to suit your needs.

Can I remortgage to rent out my property if I have adverse credit?

Contact us today! Our friendly advisors will be happy to talk you through the next steps available to you and help you on your way to obtaining the mortgage you need. We’re here to help you, not judge you, so call us on 01702 619 221.

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