Mortgage Services


Supporting your Remortgage from First Enquiry to Successful Completion

Remortgage with Coombes & Wright Mortgage Solutions, we make the process simple and straightforward. There are many reasons why you may be looking to remortgage. Whatever your motivation, our expert team supports you from your first enquiry to successful completion.

Reasons to Remortgage

Your current mortgage is coming to an end

Fixed-rate, tracker or discount mortgages mostly have a term between two and five years before reverting to the lender’s standard variable rate (SVR), which can be much higher and cost you thousands over time. To avoid being transferred to the SVR, we research cost-effective mortgage deals up to six months before your current deal ends.

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Switch to a more favourable rate

Switching to a different mortgage provider or product may involve paying exit fees or early repayment charges on your outstanding loan. However, these extra charges could be worth considering if you make a significant saving by switching. Let us take a look for you.

Moving house

Moving home can be a stressful experience – not least when trying to find and arrange a suitable mortgage that meets your needs. Perhaps you are moving to a bigger house requiring additional funds. Likewise, you wish to downsize and reduce your monthly repayments. Coombes & Wright Mortgage Solutions we can help calculate your available funds, considering

  • Estate Agency Fees
  • Legal Fees
  • Stamp Duty
  • Survey/Home Report Costs
  • Lender Fees

If you are moving home, you can often ‘port’ or move your existing mortgage over to your new house. Coombes & Wright Mortgage Solutions can compare this option alongside our search of a comprehensive range of lenders across the market, with access to over 65 lenders, to find suitable products to meet your current and future needs.

Borrow money on your mortgage

Perhaps you wish to fund renovations, pay for an extension or consolidate existing debts. Our team can discuss the options to find a solution that meets your immediate and long-term needs.

Change Mortgage Type

We can help you move to a different mortgage type, perhaps one that offers greater flexibility. For instance, a product that provides payment holidays if you are changing jobs, travelling, studying etc. Alternatively, an offset mortgage combines your loan with your current account or savings. Coombes & Wright Mortgage Solutions have access to over 65 lenders to find suitable products to meet your current and future needs.

Property Value Increase

Has your home gone up in value? Or maybe you have accrued more equity in your home? Therefore, you may have the opportunity to access a remortgage at a lower LTV (loan-to-value) ratio than your current mortgage. We can help you to explore the options.

Important Information


Mortgage Types Explained

No doubt you have lots of questions. The Coombes & Wright team has over 180 years of combined property and mortgage industry experience. We have helped and advised thousands of people to remortgage and happily share our knowledge and expertise.

Learn about the different types of mortgages available and their suitability to your circumstances.

Mortgage Types Explained Broker
Remortgaging options mortgage broker adviser Hertfordshire

Is there a cost to remortgaging?

Homeowners, be aware that there are costs involved in remortgaging. Essentially, you must demonstrate to a lender that your home is worth the amount you wish to borrow against it. Typically, this involves a new valuation or a survey for which there is usually a cost. On the plus side, most homeowners have equity in their property which can grant access to a broader range of mortgage products with potential savings over the mortgage term.

What type of mortgage is best for me?

Everyone’s circumstances, needs and financial situations are different. Therefore, you should consider the most suitable rather than the best. In addition, there are a variety of mortgage types available. For instance, tracker rates, variable rates, fixed rates, discount rates, offset mortgages and flexible mortgages. As an unbiased mortgage broker, we consider each option’s suitability for you.

Why should I use Coombes & Wright Mortgage Solutions?

We make it our priority to provide a local, flexible and friendly advice service. We pledge to:


  • Simplify securing and completing your mortgage and protection products from initial enquiry to completion.
  • Search a comprehensive range of lenders across the market, with access to over 65 lenders, to find suitable products to meet your current needs.
  • Fully explain the process, options and pricing.
  • Explore and compare quotes for protection cover based on an analysis of a number of insurers.
  • Offer free no-obligation initial consultations, either face-to-face or over the phone or on a video call.
  • Manage the complete mortgage and protection process for you, including all application paperwork and admin, liaising with your lender, solicitors, estate agent or new home builders.
  • Keep you updated at every stage to prevent delays and create a stress-free experience.

Our CWMS Team

Coombes & Wright Mortgage Solutions is an award-winning mortgage & protection broker providing local, flexible, friendly advice. We have offices in Brookmans Park, Hatfield, as well as in Cheshunt, Abbots Langley, Hertfordshire, London, Dover and Canterbury in Kent.

Our team has over 180 years of combined property and mortgage industry experience. Jointly, we have helped and advised thousands of people at all levels of the property ladder. We pride ourselves on personalised service, exceptional customer care and a friendly approach.

CWMS Mortgage Broker Team Hatfield Abbots Langley Dover Canterbury Kent London

Life Insurance and Protection Cover

At Coombes and Wright, we believe having appropriate protection cover is critical to safeguard the peace of mind of families and companies. Mortgage repayments are often your largest monthly outgoing. If you could not work due to illness or redundancy, repayments would still need to be met, or you could risk losing your home or property. In the eventuality of income vulnerability, critical illness or death, we check that you have adequate cover to protect you and your family.

  • Is your family adequately protected?
  • When did you last review your current cover?
  • Have you considered what might cause you to lose your income or home?
Mortgage protection cover advice Hatfield Hertfordshire
CWMS Mortgage Broker Hatfield Herfordshire Dover Kent Canterbury Abbots Langley London


Get in touch with us today to learn how we can provide you with flexible and friendly mortgage and protection advice.