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At this point speed is of the essence having identified a product better than your current deal, or the one your current product will soon revert to, we are therefore able to apply for and subsequently secure this new product meaning should rates increase you benefit having committed to your chosen product already. In circumstances where a better deal becomes available thereafter, this will then be discussed with you, again meaning you will never be at a disadvantage from this point in the process. At this point we start by revisiting the advice previously given to ensure that despite any time that had elapsed between our previous meeting and the present day, our recommendations are still right for your needs. This is ultimately decision time and it is important we get this right first time, so the process thereafter is as swift and smooth as possible and to meet with your current products expiry date. This would ideally entail a meeting face to face, however, if telephone appointments would be more appropriate for you, this can be accomodated.

During these discussions we will present our final recommendations in full and prepare and submit all mortgage applications, protection applications and general insurance applications for underwriting with the respective third parties. This will involve your formal signatures to enable instruction of the applications agreed. Most remortgage products offer a free valuation alongside free legal services, but on occassion this may not be the case however, we can refer you to suitable legal services in these circumstances*. As your one port of call throughout the transaction we will be supporting you hereafter by way of regular progression calls to all third parties enabling us to keep you well informed throughout the process. It is rare that in our industry this process is conducted by the same individual that submitted your mortgage application, but here at Yellow Brick Mortgages we believe retaining control and consistency enhances your outcomes and ultimately your trust in our service.

* Conveyancers will be offered both through Openwork conveyancing and a local panel of solicitors, for the local panel of solicitors please note that those products and services promoted here are not part of the Openwork offering and are offered in our own right and those of the firms referred to. Openwork Limited accept no responsibility for this aspect of our business. Conveyancing is not regulated by the Financial Conduct Authority.