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Phil 21 profile picture
Phil 21
237 days ago
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Tim Meiris at Beals has been absolutely exceptional. He is excellent at following up on every detail and is particularly strong at dealing with complex situations. Tim has managed both of our mortgages and has been outstanding throughout, especially when handling a complicated scenario involving my mother’s new home and a second mortgage. His advice and guidance were incredibly helpful, clear, and reassuring at every stage. Tim is super friendly, extremely proactive, and very efficient when it comes to paperwork and securing deals quickly. I wouldn’t hesitate to highly recommend Tim to anyone looking for a mortgage advisor who is thorough, knowledgeable, and genuinely great to work with.
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Louise Joyce profile picture
Louise Joyce
275 days ago
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Mark Hurst helped us with our mortgage when moving house. We have used Mark for previous mortgage and pension advice. Mark is our go to and we will always recommend Mark to others. He is a real pleasure to deal with and he helps get the best for his clients. We wont go to anyone else.
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Louise Edwards profile picture
Louise Edwards
295 days ago
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I had an excellent experience working with Mandy Puntis. She is incredibly helpful and knowledgeable, guiding me clearly through the process and advising me on exactly how much I could borrow. Her professionalism, patience, and friendly approach made what can be a stressful process feel straightforward and manageable. I would highly recommend Mandy to anyone looking for clear, expert mortgage advice.
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Amelia Atchison profile picture
Amelia Atchison
301 days ago
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I can’t thank Clare enough for all her help with my mortgage and insurance! As a first-time buyer, I was quite nervous about the whole process, but Clare was so kind, patient, and supportive from start to finish. She took the time to explain everything clearly, always kept me updated, and made what could have been a stressful experience feel really easy and reassuring. Clare genuinely cares about her clients and goes above and beyond — I couldn’t have asked for a better adviser. I’d highly recommend her to anyone looking for someone trustworthy and compassionate to guide them through the process.
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Mambo Raissa profile picture
Mambo Raissa
317 days ago
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Fantastic service from Clare . She was very friendly, professional, and always happy to help at all times . She made the mortgage process smooth and stress-free especially for a first time buyer like myself. Highly recommend!
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Nji Cyrille profile picture
Nji Cyrille
317 days ago
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Clare Cheeseman provided great service from the start to the end, gave good advice and direction mortgage was successful. highly recommend
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Lauren Cane profile picture
Lauren Cane
346 days ago
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Recently exchange don my property and Olivia Rowell handled my mortgage. She is very professional, knowledgable and prompt with enquiries and responses! Will be recommending her to all friends/family etc.
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Xanthe Weatherhead profile picture
Xanthe Weatherhead
350 days ago
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Olivia was fantastic from start to finish. She gave me so much information in our initial conversation before I had even agreed to use her as my broker. I felt so confident that I would be looked after and it was true! Olivia kept track of the mortgage rates throughout, locking in lower mortgage interest rates as they changed whilst waiting for our house to go through. She was so patient with us when we had to reapply as our first sale fell through and even successfully appealed for us when our mortgage for the second house was initially rejected. Olivia also provided great advice regarding protection for our home and livelihoods. I would highly recommend her.
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Priscilla Karim profile picture
Priscilla Karim
356 days ago
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I’m very impressed with the services I received. I and my husband were looking for a house and Clare Cheeseman made this experience worthwhile with getting us the best mortgage deal and would follow up if there is a rate drop to change to lower interest rate. It took us nearly two years as the first property fell through and Clare was there every step of the way, checking on the progress, helped us close a good rate at last minute as well. So grateful that we finally got our keys today.
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Edward Chase profile picture
Edward Chase
359 days ago
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Beals financial services have searched for our mortgages renewals since we started on the property ladder roughly 5 years ago. I can’t recommend them enough! Christine Poynter Mortgage & Protection Adviser is absolutely amazing!! She is super friendly and reliable, always there at the end of the phone with a really helpful and informative outlook when searching for our next mortgage deal! She’s super quick with replying to emails and answers anything even if they may feel stupid. I feel like I’m taking to a good friend! I won’t look anywhere else for a Morgage advice, I highly recommend Christine!
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Matthew profile picture
Matthew
365 days ago
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As always, incredible service from Alex Hudson with sorting a new mortgage out for me. Communication is incredible and he is very efficient. Whole process with simple and smooth, I couldn’t recommend enough. thank you Alex!
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Fatima C profile picture
Fatima C
394 days ago
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I have no words to describe how helpful Christine Poynter has been during our mortgage process. She went above and behind to make sure we always understood every step during this long journey. Her incredible sense of humour kept us positive during times we almost felt like giving up. Always available for a reassuring phone call when needed. Thank you for your professionalism and great work but also for your positive attitude and friendly manners, so needed during our difficult process. We will never forget your support.
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Gabriel Dusa profile picture
Gabriel Dusa
398 days ago
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Charles has been an exceptional mortgage advisor throughout our home-buying journey. While the process was far from smooth delays from the bank and extensive financial requests from the solicitor tested our patience Charles went above and beyond, utilizing every resource at his disposal to help us secure our first home. His dedication and support were invaluable, and I cannot recommend him highly enough!
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Frequently Asked Remortgage Questions

Can I remortgage early?

Yes, you can remortgage before your current deal ends, but you’ll need to check for any early repayment charges (ERCs). These are fees your current lender may charge if you leave during a fixed-term period. However, some lenders allow you to start the remortgage process within a window (e.g. 3–6 months before your deal ends) without penalty.

Will I need a solicitor to remortgage?

Usually, yes - if you're switching lenders. A solicitor or conveyancer is needed to handle the legal work when moving to a new provider. Many lenders offer free legal services as part of their remortgage deals. If you’re staying with your current lender (a product transfer), a solicitor is generally not required.

What if I have bad credit - can I still remortgage?

Yes, it’s still possible to remortgage with bad credit. There are lenders that specialise in helping clients with poor or limited credit histories. You may need to provide more documentation, and the rates might be slightly higher, but a whole-of-market adviser can help you find suitable options.

How long does the remortgaging process take?

Typically 4 to 8 weeks. If you're staying with your current lender, it may take just a few days. Switching to a new lender usually involves a property valuation, underwriting, and legal work - your adviser will manage the process and help avoid delays.

Can I switch mortgage providers if I’m self-employed?

Yes, you can. Many lenders offer remortgage deals for self-employed individuals. You’ll generally need to provide 1–3 years of accounts or SA302s, and proof of consistent income. An adviser can guide you through the process and help you prepare the right documents.
Need tailored remortgage advice? Book a no-obligation call with one of our whole-of-market mortgage advisers today.
BOOK A CALL

Book Your No-Obligation Mortgage Rate Review

Signs It's Time to Review Your Mortgage

You should consider speaking to a remortgage adviser if:
Your fixed-rate deal is coming to an end
You’ve been moved to a Standard Variable Rate (SVR)
Interest rates have fallen since your last deal
Your property has risen in value
You want to reduce monthly payments or consolidate debts

Local Whole-of-Market Mortgage Advisers

How Much Could You Save by Remortgaging?

The potential savings from remortgaging can be significant. For example, if you’re currently paying 4% interest and switch to 2%, the difference could reduce your monthly payments and total loan cost dramatically.

Contact us to speak to a qualified, local mortgage adviser to discuss your options. We offer no-obligation mortgage reviews, with access to the whole-of-market for mortgages.

Our Mortgage Advisers

Our whole-of-market mortgage advisers will help you find the right deal, whether you're goal is to save money, releasing equity, or consolidating debts.
  • Alex Hudson

    Mortgage Adviser Based in Gosport, Hampshire

    Clare Cheeseman

    Mortgage Adviser Based in Portsmouth, Hampshire

    Christine Poynter

    Mortgage Adviser Based in Gosport, Hampshire
  • Mandy Puntis

    Mortgage Adviser Based in Romsey, Hampshire

    Mark Hurst

    Mortgage Adviser Based in Waterlooville, Hampshire

    Olivia Rowell

    Mortgage Adviser Based in Poole, Dorset
  • Tracy Farrington

    Mortgage Adviser Based in
    Southampton, Hampshire

    Tim Meiris

    Mortgage Adviser Based in Fareham, Hampshire

    Will Ashley

    Mortgage Adviser Based in Gosport, Hampshire

Book a free consultation with a remortgage adviser today and find out how much you could save.

Have you been thinking about remortgaging? At Beals Mortgage & Financial Services, we’re here to help you navigate the remortgage process from start to finish. As whole-of-market mortgage advisers, we offer professional advice and access to deals that may not be available directly to the public.

All consultations with our mortgage advisers are free of charge, including a free review of your current mortgage. There’s no obligation - fees only apply if you choose to proceed with our advice.

Free, No-obligation Remortgage Consultation

Fill in the form below and one of our expert advisers will be in touch to guide you through the next steps.

Our consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply but we’ll always be transparent and discuss any costs with you.
Free Remortgage Consultation | Whole of Market Remortgage Advice
Tax treatment varies according to individual circumstances and is subject to change.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited. March 2026

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166
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