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Mortgage Services


If you’d like to know how to remortgage then contact us for remortgage advice.

How does remortgaging work?

People remortgage or refinance when their existing mortgage interest rate comes to an end, or if they need further borrowing for home improvements or to buy another property.

We’ll review what your current lender can offer, and compare it to other lenders, and will advise you if it’s worth staying put. In most cases, we can also make new arrangements with your current lender.

We’ll consider factors that you might not think about yourself – such as early repayment charges or the impact on your mortgage if you move before your term ends.

How to remortgage

Sometimes the thought of lots of paperwork and emails and conversations puts people off from bothering to remortgage. But remortgaging with us is easy – our secure customer portal means all you need to do is upload photos of documents, and we’ll do the rest. Plus, it could mean you may be able to save hundreds or thousands of pounds a year.

We can help with any questions you may have, including ‘how long does it take to remortgage?’, ‘when can you remortgage?’ and ‘can you remortgage early?’. Click here for an explanation of our mortgage process.


In most instances we do not charge you any fees at all, as we receive a commission from the lender for arranging the mortgage.

We would only need to charge you a fee if the funds are being used to secure a buy to let mortgage – in which case the fee would be £349 – or if the loan amount is under £100,000. If the loan amount is between £60,000 and £100,000 our broker fee is £249, and if the loan is under £60,000 then the fee is £349.

Home insurance

We can offer you competitive quotes for buildings and contents insurance while we are securing your mortgage.

We can help you prepare and submit all the paperwork to make the process as easy and as hassle-free for you as possible. Our home insurance products have a 5-star Defaqto rating, proving that they are one of the highest quality offerings in the market.

You may have to pay an early repayment charge to your existing lender if you re-mortgage.

Providing you with honest mortgage advice
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321 Alcester Road,
Hollywood, Birmingham
B47 5HJ



2214 Coventry Road,
Sheldon, Birmingham
B26 3JH

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The Oak Tree Mortgages Partnership LLP is Authorised and Regulated by the Financial Conduct Authority.
The Oak Tree Mortgages Partnership LLP is a Limited Liability Partnership.
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.
Registered in England and Wales No OC426885 Registered Address: 372 Stratford Road, Shirley, Solihull B90 4AQ.
Telephone 0121 733 8833
9:30am - 5:30pm, Monday - Friday. Email:
We are entered on the Financial Services Register No 917270 at
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

© Oak Tree Mortgages. All rights reserved. Web Design by Hotlobster Design Limited.

© Oak Tree Mortgages. All rights reserved.
Web Design by Hotlobster Design Limited.