Secure the Right Remortgage Deal with Chester’s Expert Remortgage Brokers
Specialist Remortgaging Advice For Standard Applications And Complex Cases
We are Clark Mortgages, your trusted remortgage broker based in Chester – helping homeowners across the UK. Whether you are simply looking for better remortgage deals at the end of your fixed rate, or you need complex remortgaging support due to bad credit or self-employment, we can help. We search the whole market to find the right lender for you. With our Mortgage Application Guarantee, we offer a risk-free, fully managed service so you can move forward with less stress.
Remortgaging Solutions Built Around Real Life, Not Perfect Circumstances
We understand that every homeowner has a different financial background. We help a wide range of clients find flexible remortgages including:
Fixed-rate ending homeowners
Secure a better rate before your current deal expires and avoid rolling onto a costly SVR.
Self-employed borrowers
We find lenders who understand freelance, contractor and director income – not just standard PAYE.
Borrowers with bad credit
Get back on track with specialist adverse credit remortgages designed for real-life financial bumps.
Landlords and portfolio investors
Refinance your properties to maximise yields and unlock capital for growth.
Declined applicants
When high-street banks say no, we step in to find the lender who will say yes.
Capital-raising homeowners
Release equity to fund renovations, consolidate debt or support major life plans.
Get Fast, Accurate Figures with Whole-of-Market Remortgage Options
Do not settle for the limited options your current bank offers. We check between 100 and 180+ lenders to secure whole of market remortgage deals, including hidden and off-market options. We specialise in complex cases and negotiate directly with underwriters to get you fast, accurate initial figures.
Your Remortgage – Made Simple, Straight-forward and Supported
Remortgaging is simply the process of switching your current mortgage to a new deal, either with your existing lender or a new one. We make the process fast and stress-free.
Assessment
We review your current mortgage, property value and financial goals.
Market Search
Your dedicated remortgage adviser scans the whole market for the best rates.
Application
We handle the paperwork, negotiate with lenders and submit your application.
Completion
We manage the process right through to the day your new mortgage begins.
We offer end-to-end support and a Mortgage Application Guarantee. If we do not secure your mortgage, we refund your fee.
Remortgaging Simplified for Complex Cases
1
Self-Employed & Complex Income
A self-employed remortgage does not have to be difficult. If you are a contractor, freelancer or company director, high-street lenders often struggle to understand your income. We present your finances clearly to lenders who specialise in non-standard income.
2
Adverse Credit Remortgaging
You can absolutely get a remortgage with bad credit. Whether you have missed payments, defaults or CCJs, we know exactly which specialist lenders will accept your application and help you rebuild your credit profile.
3
Remortgage After Being Declined
If you need a remortgage after being declined, do not panic. A rejection from one bank does not mean a rejection from all of them. Our expert remortgaging adviser team steps in to reposition your application and negotiate directly with human underwriters.
4
Portfolio & Advanced Borrowers
For landlords managing multi-property portfolios, we untangle the complexity. We help you remortgage to release capital, fund expansion and restructure your finances across multiple units.
Why Homeowners Trust Our Specialist Remortgaging Advice
Finding the right mortgage takes time, market knowledge and industry connections. Here is why homeowners and investors trust our remortgage adviser team:
01
Access to exclusive deals
We tap into over 100 lenders to find rates you cannot access directly.
02
Understanding complex cases
We succeed where others cannot thanks to our direct underwriter relationships.
03
Faster, smoother process
We handle the admin and offer out-of-hours availability (evenings and weekends) to fit your schedule
04
Better approval outcomes
We match your exact profile to the right lender’s criteria, drastically reducing the chance of rejection.
Frequently Asked Questions
What is the difference between a remortgage and a product transfer?
A product transfer means staying with your current lender but moving to a new rate. A remortgage means switching to an entirely new lender to get a better deal. We check both options for you.
When should I start looking to remortgage?
You should start looking three to six months before your current fixed-rate deal ends. This gives us plenty of time to lock in a great rate.
What are the costs and fees involved in remortgaging?
You should start looking three to six months before your current fixed-rate deal ends. This gives us plenty of time to lock in a great rate.
What is an Early Repayment Charge (ERC)?
An ERC is a penalty fee charged by your current lender if you leave your mortgage deal before the agreed fixed term ends. We factor this in to see if remortgaging is truly cost-effective for you.
Can I remortgage to consolidate debt or release equity?
Yes. If your property has increased in value or you have paid down a large chunk of your mortgage, you can release equity to pay off other debts or fund home improvements.
Ready to Secure a Better Mortgage? Let’s Find Your Remortgage ‘Yes’.
Stop worrying about rising rates or complex applications. Let us find the perfect remortgage for your situation.
Compliance Note
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages is authorised and regulated by the Financial Conduct Authority.
Contact us
Book an appointment today!
Jack Thompson
Maame Akua
18 Weeks Ago
As a contract worker, I honestly never thought I’d be able to get a decent mortgage offer from a high street bank. I was worried and unsure where to start. But thanks to Sam and his incredible team at Clark Mortgage, I’ve now secured a mortgage offer with a great interest rate—and I couldn’t be happier!
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Kieran Toner