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Mortgage Made Simple

Remortgaging

Remortgaging is the process of switching from an existing mortgage to another lender usually to get a better rate than the current one.
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Our team of experienced advisers will guide you every step of the way, ensuring you find the right mortgage to suit your needs.

Getting You Competitive Interest Rates

Accessing built up equity

Consolidating Debt

It is just as important to compare different remortgage options as when purchasing a property for the first time, which is why we are here to give you the best advice on the current market, as the terms and conditions of remortgage products can vary widely between lenders.
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Ready to take the next step?

Contact PBS Financial Solutions Ltd today to schedule your initial consultation and start your journey towards a secure financial future.

Our advisers are here to help with...
Face to Face Appointments
Telephone & Email
Virtual Meetings
Get in touch

Frequently asked questions

Everything you need to know about the product and billing.
Why Should I Use a Mortgage Broker?
Using a mortgage broker provides access to a wide range of lenders, expert advice, and personalised solutions.  We do the work in finding and arranging the best mortgage, saving you time and money.  
How Long Does It Take to Get a Mortgage Agreement in Principle?
We can usually get a Mortgage Agreement in Principle within 24 hours, depending on the lender and your financial situation.
What Are Your Charges for Mortgage Advice?
We don’t charge upfront fees. We will explain our charges prior to any work, and any fee is only typically payable on issue of a mortgage offer.
What Documents Do I Need to Apply for a Mortgage?
You'll generally need proof of income, bank statements, ID, and details of any debts or other financial commitments.  

Don’t just take our word for it...

Great financial advice, very clear and concise and with no pressure. I’ve used Ross a couple of times now and he couldn’t be more helpful, that goes for the rest of the team too. Excellent company to use would recommend to anybody thinking about financial/mortgage advice.

Jon Ford
Lancaster

Superb service from the team at PBS - highly recommended. Gareth was exceptional and provided great support throughout. Fee was also more than reasonable. Looking forward to using PBS again when my mortgage renewal is due.

Ben Knott
Lancaster

We have used PBS's services quite a few times and every time we have had fantastic service. Ross, in particular, is professional, helpful and understanding. He helped us navigate our very first mortgage in 2016, then subsequent remortgaging processes. Thank you for all your help, it's been invaluable!

Grace Rawsthorne
Lancaster

An excellent service, very efficient & a very good remortgage deal. Streamlined service & we  were kept up to date regularly about the progress. Would definitely use again & recommend.

Gary Macdonald
Lancaster

Cannot rate PBS financial solutions highly enough. Paul has always been very helpful, listening to our changing needs and giving us sound advice and direction in relation to mortgage renewals. This has been especially important with the prices going up significantly. Would recommend without hesitation.

Mireille Formosa
Lancaster

Very informative and efficient service. Everything was explained clearly and presented to us well which made the whole re-mortgaging process simple and stress free. Thanks to the team at PBS!

Michael Orford
Lancaster

PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again. I have already recommended them to two other people myself. Many thanks to Ross and Sara for their hard work and determination.

Helen Hanks
Penmaenmawr

Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.

Josh Heron
Lancaster

Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.

Terri Whiteside
Morecambe

They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.

Ashley Foster
Berkshire
Financial Solutions

Our Mortgage & Financial Planning Solutions...

Take a look at how we can help you navigate the next steps on your financial journey.
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Complex Incomes

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Insurance

Taking out protection can give you the peace of mind you need
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Ready to start planning your financial future?

Arrange your initial consultation now - we offer advice face to face, by phone or video call.

How we work

The PBS Mortgage Advice Journey

Our mortgage advice journey is designed to guide you through every step, ensuring you make informed decisions about your financial future.
Get started
1

Initial Consultation

Your journey begins with a free, no-obligation consultation. During this session, we get to know you, your financial situation, and your goals. Whether you're a first-time buyer or looking to remortgage, our friendly advisors are here to listen and understand your needs.
2

Financial Assessment

Next, we conduct a thorough financial assessment. We'll review your income, expenses, credit history, and any existing debts to determine your borrowing capacity. This step helps us provide you with realistic mortgage options tailored to your unique situation.
3

Exploring Mortgage Options

With a clear understanding of your finances, we explore a wide range of mortgage products from various lenders. Our advisors explain the differences between fixed-rate, variable-rate, and interest-only mortgages, helping you understand the pros and cons of each. We aim to find the best mortgage deal that aligns with your financial goals and budget.
4

Mortgage Agreement in Principle

Once we've identified suitable mortgage options, we will obtain a Mortgage Agreement in Principle (AIP). This document indicates how much you can borrow and shows sellers and estate agents that you're a serious buyer. An AIP can give you a competitive edge in a hot property market and confidence in obtaining a mortgage.
5

Mortgage Application

Once you’ve found a property, we complete your mortgage application. Our team ensures all required documentation is in order and submits the application to your chosen lender. We keep you informed throughout the process, addressing any queries you might have.
6

Valuation and Underwriting

After submitting your application, the lender will arrange for a property valuation to ensure it's worth the amount you're borrowing. Concurrently, the underwriting process begins where the lender reviews your financial details in-depth. We liaise with the lender on your behalf, ensuring a smooth and timely process.
7

Mortgage Offer

Upon successful completion of the valuation and underwriting, you'll receive a formal mortgage offer. We'll review the offer with you, explaining all terms and conditions to ensure you fully understand the commitment. We will also advise on your mortgage and family protection needs and explain the next steps with solicitors.
8

Completion

Finally, on the completion day, the mortgage funds are released, and you receive the keys to your new home. We'll be there to celebrate with you and provide any further assistance you may need.