Remortgage
Trust your remortgage to Goldsmith Williams and you'll benefit from:
- Friendly staff available for extended hours through the week so you can talk to us at your convenience
- Seven day turnaround on standard remortgage cases (from receipt of mortgage offer to completion)
- Fixed costs with everything explained from the outset
- Income opportunities
- Full online instructions, case management and reports so you can control the entire process from your desk, or wherever you happen to be!
We'll help you and your clients step by step through the remortgage process, showing you what can be done to speed things up and help to avoid delays.
The Remortgage Process
On Receipt of Instructions
- Acknowledge receipt of instructions to the client and the introducer
- Send a Terms of Business letter & Mortgage Questionnaire to client
- Request ID
- Request searches
- Request Redemption Statement(s) from current lender(s)
- Request Title Deeds (If Leasehold - Request details of freeholder from client/introducer)
On Receipt of the Mortgage Offer
- Send the Mortgage Documents (and Transfer Documents if applicable) to the client
- Request any information/searches requested in the Mortgage Offer/Valuation Report
- Request up to date Redemption Statement(s) if necessary
- Set completion date
- Make sure all mortgage conditions are complied with
- Report on the Title to Lender and Request funds
- Inform all parties of completion date
On Completion
- Receive funds from lender
- Confirm Redemption amount(s) with existing lender(s)
- Finalise completion
- Confirm figures with the client and/or the Introducer
- Release funds to all parties
- Pay any balance due to the client
- Pay any fees due to the introducer within 48 hours
We aim to complete within 7 days of receipt of the mortgage offer
Please note that cases which are unregistered, leasehold, involve a matrimonial dispute or bankruptcy issues will require additional work and can take longer to complete. In such cases extra charges may be applicable.