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If you cannot see the enquiry form please click here. Start here... Most questions aren't mandatory, but please try to complete as many as possible Would you like to raise extra cash? Approx minimum mortgage amount needed Approx maximum mortgage amount required(*) Current mortgage balance (if applicable) What is the current value of your home? Original cost of property (if applicable) Date property purchased (if applicable) Do you need self-certification of income? No Yes Are you/partner a homeowner or mortgage payer? Yes No Who is your current mortgage lender? Click to choose… - None - Abbey National Advantage Alliance & Leicester Amber Associates Bank of Scotland (HBOS) Barclays Birmingham Midshires Blemain Finance BM Solutions Bradford & Bingley Bristol & West Britannia Britannic Money Chelsea Cheltenham and Glos CitiFinancial Edeus First National Bank (FNB) First Plus Future GE Money GMAC-RFC Halifax (HBOS) HSBC Igroup Infinity Jim Whites Kensington Mortgages Lancashire Mortgage Co Lloyds TSB London Mortgage Mortgage Express Mortgage Force Mortgage Trust Mortgage Works Mortgages 4 Mortgages Direct Mortgages Plc Nat West National Guarantee Nationwide Northern Rock Paragon Group Platform Home Loans Preferred Mortgages RBS Scottish Widows Skipton Southern Pacific (SPML) Stroud and Swindon Swift The Mortgage Lender (TML) TMB TMC Tattenham Welcome Woolwich Yorkshire ~ Other please list below Other lender, if not listed above Remember that enquiries with a poor credit history are welcomed by brokers and nowadays are not necessarily considered to be a problem. Do you have any of the following problems?   Problem proving income   Poor credit rating   CCJ's   Defaults   Mortgage arrears   Late or missed payments   Repossession pending   Previously turned down   Trust Deed Any comments? Nearly there... Reason for mortgaging Please click to choose Bankruptcy problems Buy additional property Buy To Let deposit Debt consolidation Divorce or Separation Funding a venture Further education Holiday Holiday home Home improvements Investment purposes IVA problems Medical reasons Missed mortgage payments Pay off credit cards Pay off debts Pay off loans Raise additional finance Releasing equity Remove CCJs To fix credit history Trust Deed Vehicle Wedding ~ Other reasons, list below Any other reason? Please click to choose Bankruptcy problems Buy additional property Buy To Let deposit Debt consolidation Divorce or Separation Funding a venture Further education Holiday Holiday home Home improvements Investment purposes IVA problems Medical reasons Missed mortgage payments Move house Pay off credit cards Pay off debts Pay off loans Raise additional finance Reduce monthly bills Reduce mortgage payments Releasing equity Remove CCJs To fix credit history Trust Deed Vehicle Wedding ~ Other reasons, list below Please list any other reasons for mortgage Do you have redemption penalties? No Yes Not sure Approx value of secured loan(s) (if applicable) Who is your secured loan lender? None Barclays Blemain First National Future GE Capital GMAC HSBC Igroup Kensington Lloyds TSB Lombard NatWest Platform RBS Southern Pacific (SPML) SPPL Swift Welcome ~ Other please list below Other lender, if not listed above Approx total other loans and debts Permission for a credit check? Yes No Is this a joint or single enquiry? Joint Single Date of birth: (dd/mm/yy) Employment Status Full time permanent Part time permanent Temporary Contract Self employed House person Unemployed Your gross income 2nd enquirer's date of birth 2nd enquirer's employment Employed Self Employed Employed Unemployed Retired Other 2nd enquirer income (before tax) Thank you for your information so far. Please continue for quote. Please note:Postcode details are necessary for quotes and credit checks are carried out using phone number area codes… Title Mr Mrs Miss Ms First Name(*) Last Name(*) Address Postcode(*) Email address Evening Phone Daytime Phone Mobile Phone What is the best time to contact you Daytime Evening Weekend Would you like an assessment of your life insurance payments? (you are probably paying too much): Yes No Privacy and Terms Please note fields marked (*) are required to be entered Thank you for submitting your enquiry. We are currently processing your request, please wait for the next page to be displayed, which could take up to 45 seconds. Need more information before checking all the deals? You're looking for a remortgage? You're not sure which one you want? You need help? You want to save time? Like most people you will be looking for the best and the cheapest mortgage to suit your circumstances. Looking to Save Time and Money? On your behalf specialist remortgage brokers will search many of the UK's top remortgage companies including well-known High Street Banks and Building Societies such as Halifax, Northern Rock, Abbey, Nationwide, NatWest, Alliance and Leicester, Barclays, HSBC, RBS and many more! Need Help to Compare Remortgages? Are you looking for a competitive remortgage? Do you want to release money available in your property or reduce your monthly payments? Maybe you need money for a deposit on a buy-to-let property? The Most Appropriate Remortgage? 1st Remortgage UK will put you in touch with a broker whose aim is to help you find a range of remortgages and competitive interest rates which will help you decide on the most appropriate remortgage available. You may be required to pay a broking fee. The fee will depend on your circumstances, an indication is 1%. Early repayment charges will apply. They will vary depending on the mortgage you choose. The overall cost for comparison is 7% APR. The actual rate available will depend upon your circumstances. Please ask for a illustration. The APR variable and based on a usual case. Poor Credit History or Already Been Refused a Loan? Do you have CCJs, IVAs, defaults, no proof of income, mortgage or rent arrears, need secured debt consolidation? Brokers may even be able to assist if you need help to stop repossession. We have access to specialists. Adverse Credit Mortgages Available Now An adverse credit mortgage (sometimes known as a sub-prime mortgage) is a loan given to those with poor credit. Usually the borrower would have credit issues such as CCJs (County Court Judgements due to non payments of outstanding debt), an IVA (individual voluntary arrangement that allows an individual to avoid bankruptcy and make maximum possible restitution to creditors), arrears (payments that have not been made by the due date), defaults (failure to meet the terms of a loan by not paying the interest or capital due), bankruptcy or repossession problems. Mortgage Types Like most people you will be looking for the best and the cheapest mortgage to suit your circumstances. You can compare some of the different type of mortgages below, but please note that the following does not constitute advice and is for general guidance only. Please complete the form to ask for a range of options and quotes. 100% Mortgage: A 100% mortgage is where a deposit is not paid. Adverse Credit Mortgage: An adverse credit mortgage (sometimes known as a sub-prime mortgage) is a loan given to those with poor credit. Usually the borrower would have credit issues such as CCJs (County Court Judgements due to non payments of outstanding debt), an IVA (individual voluntary arrangement that allows an individual to avoid bankruptcy and make maximum possible restitution to creditors), arrears (payments that have not been made by the due date), defaults (failure to meet the terms of a loan by not paying the interest or capital due), bankruptcy or repossession problems. Buy-to-Let Mortgage: A buy-to-let mortgage is a mortgage for property that the borrower lets to other tenants. Capped Rate Mortgage: A capped rate mortgage is a loan that is guaranteed not to rise above a specific rate within a set period. Cashback Mortgage: A cashback mortgage is a mortgage where the lender refunds a sum of money. This cash is either a flat figure or as a percentage of the loan. The refund is on completion. Current Account Mortgage: A current account mortgage is a flexible mortgage that is combined with a current account. The current account balance is automatically set against the mortgage balance. The interest is only charged on any outstanding amount. This means that interest payments are reduced. Debt Consolidation Mortgage A debt consolidation mortgage combines existing debts you may have. For instance your present mortgage, bank loans, credit cards, HP, bank could be combined by means of a remortgage. Direct Mortgage: A direct mortgage is often the term used to describe a mortgage arranged by a lender over the phone. Equity Release Mortgage: Equity release is designed to allow homeowners to release cash from their property. They are sometimes called home income plans or home reversion schemes. You can choose to receive the equity as a lump sum, as income or as a mixture of both. Fixed Rate Mortgage: A fixed rate mortgage is a mortgage that is charged at a fixed rate within a set period and can cover periods up to 40 years. Flexible Mortgage: Flexible mortgages can mean a variety of things including varying your monthly repayments such as overpaying, underpaying or taking payment holidays. A flexible mortgage could allow you to pay off your mortgage early. Let to Buy Mortgage: A let to buy mortgage is a mortgage where the borrower's current property is let out and the resulting rental income is used to cover the mortgage repayments on a new property that the mortgagor uses as a main residence. Discounted Rate Mortgage: A discounted rate mortgage is a variable mortgage that is discounted from a Lender's Standard Variable Rate by a set percentage within a set period. Guarantee Mortgage: A guarantee mortgage is a loan guaranteed by a third party, such as a government institution. Guarantor Mortgage: A guarantor is responsible for payments if you default on the mortgage. A lender may require you to find a guarantor for the loan if they are concerned about the mortgagor's ability to repay. Interest Only Mortgages: With an interest only mortgage the initial loan amount remains constant throughout the term of the loan. The monthly mortgage repayments only pay off the interest being charged on this amount. Interest only mortgages are tied to investments such as ISAs, endowment policies and personal pensions which are designed (not guaranteed) to cover the initial loan amount at the end of the loan term. Lifetime Mortgage: A lifetime mortgage (sometimes referred to as a retirement mortgage) is a form of equity release that is often used by people over the age of 60. There are no monthly repayments to be made - interest is rolled up and, when your home is sold (usually on your death), the full amount is paid off. You always retain ownership of the property until it is sold as long as you live in it. Offset Mortgage: This is a flexible mortgage which allows a borrower to keep their mortgage debt, savings account and current account balances in separate accounts. However, all balances are aggregated for the purposes of interest calculation. As the other balances are taking into consideration, interest is only charged on any outstanding amount. This means that interest payments are reduced. Payment Holiday Mortgage: A payment holiday is a period in which the borrower does not make the usual mortgage payments. It is usually available with a flexible mortgage and will only be available where overpayments have previously been made. Pension Mortgage: Designed to mature on retirement, a pension mortgage is a type of interest-only mortgage where mortgage payments are combined with payments into your personal pension fund. Portable Mortgage: A portable mortgage is where the terms and conditions of a mortgage product can be transferred without penalty to a new property. Repayment Mortgage: A repayment mortgage is where you repay your loan and interest charged in monthly instalments. Your loan is repaid in its entirely over the full term agreed. Retention Mortgage: A retention mortgage is when the mortgagee (lender) holds back some of the loan until stipulated repairs have been carried to the property. The amount is known as retention. Second Mortgage: A second mortgage is also known as a secured loan. It is an additional mortgage taken out on a property which is already mortgaged. Self-Certification Mortgage: Do you have a problem proving your income? Self-certification mortgages (range includes fixed rates, flexible and discount) allow borrowers to state their own income instead of offering payslips or accounts. Standard Variable Rate: Standard variable rate is a variable rate that the lender determines at their own discretion. Tracker Mortgage: A tracker mortgage is a variable mortgage that is either above or below the Bank of England's base rate by a set percentage within a set period, i.e. it has an interest rate that follows the Bank of England’s base rate. Your monthly mortgage interest payments go up when the base rate goes up and go down when the base rate goes down.