Refinance

Pay less interest and lower  your monthly payment

Refinancing your mortgage can help you save money by reducing your interest rate and lowering your monthly payments. Our expert team at Bee Mortgage Solutions will guide you through the refinancing process, finding the best rates and options tailored to your needs. Start saving today by exploring how refinancing can work for you.
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Pay less interest and lower  your monthly payment

First time buyer mortgages

Bee Mortgage Solutions are here to help you with every aspect of the mortgage process. We understand how daunting buying your first home can be and are here to guide you through it.

1. Get Pre-Approved: Contact us to determine your borrowing capacity and deposit requirement before house hunting, and secure a decision in principle for when you find the perfect home.
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2. Find Your Home: After your offer on a home is accepted, we'll find the best mortgage deal tailored to your needs.
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3. Application Submission: We handle the mortgage application process for you, managing all the documentation and communications with the lender.
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4. Final Steps to Homeownership: With a mortgage offer in hand, your solicitor will finalize the legal details while we continue to support you until you receive the keys to your new home.

  • Personalized Mortgage Calculations: Know what you can afford with our personalized calculations for borrowing and repayments.
  • Tailored Mortgage Selection: Benefit from a tailored mortgage search to find the perfect match for your financial situation.
  • Hassle-Free Application: Enjoy a seamless application process with our team handling all the details on your behalf.
  • Dedicated Completion Assistance: Receive ongoing support until you step into your new home, with expert advice just a call away.
Reduce your monthly mortgage payment
Consolidate high interest debt

Remortgaging

Is your current mortgage deal up for renewal and you need help securing a new product and/or want to raise some additional money on your mortgage? Bee Mortgage Solutions are here to help you with the remortgage process.
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We will search the market for the product that meets your needs and personal circumstances. We will then submit the application on your behalf providing all relevant documents and liaising back and forth with the lender through the application and surveying process.

  • Secure Better Rates: Explore new mortgage products that could reduce your monthly payments or overall interest.
  • Raise Additional Funds: Unlock extra cash by borrowing against the increased value of your home.
  • Simplified Process: We handle all the paperwork, ensuring a smooth transition to your new mortgage deal.
  • Expert Guidance: Receive personalized advice to choose the best remortgage options for your financial situation.

Home Movers

If you are looking to move home but don’t know where to start, Bee Mortgage Solutions can help you. We will look at all areas of this with you, including how much equity you have, if you have exit fees with your existing lender and if you will have any stamp duty costs to consider.

  • Equity Assessment: Understand how much equity you can transfer to your new home.
  • Exit Fees Evaluation: Get clarity on any potential exit fees from your current lender.
  • Stamp Duty Considerations: Plan ahead for any stamp duty costs you might incur.
  • Tailored Mortgage Solutions: Find the perfect mortgage product to facilitate your move with ease.
Pay Off Your Mortgage Faster
The whole team made the process of buying our first home go smoothly! They went above and beyond to help us get to where we are now.
FAQ

We’ve gathered answers to all your questions

Why use Bee Mortgage Solutions, rather than just going direct to my bank?
As a whole of market mortgage adviser, we can advise you on products across the whole of the market, that means we can find you the cheapest deal. If you go directly to your bank, they can only advise on their products which means you may not be getting the best deal! Using Bee Mortgage Solutions can also save you a lot of time and stress by streamlining the mortgage process by dealing with everything on your behalf.
How much deposit do I need to buy my first house?
Typically, you will need at least a 5% deposit however, there are lenders who do special products where you can put down as little as £5,000 or nothing at all depending on your circumstances! Please get in touch and we will work out which option is best suited for you.
I have bad credit, can I still get a mortgage?
Yes, bad credit doesn't necessarily mean that you can't obtain a mortgage. By having a short call together, we can go through your credit file and we can then conduct thorough research, to identify a mortgage solution tailored to your circumstances. Please reach out if you would like our help.
Can I get a mortgage if I'm self employed?
Yes, you can; to get the best deals on the market, you will ideally have 2 years trading. However we have access to lenders who only need as little as 1 year trading. Please get in touch if you would like more information.
What is the typical deposit needed to purchase an investment rental property?
Typically to get the best products on the market, you will need a 25% deposit. However, there are lots of options for a 20% deposit and even as little as 15%.
Which mortgage is best for me?
Which kind of mortgage you go for depends on your personal and financial circumstances. But no matter what they are, there are lots of options available. Bee Mortgage Solutions can help you work out what you can afford and which specific mortgage to go for – whether you’re buying a property to rent out, have bad credit, are a first-time buyer or are self-employed.
Do I need life insurance or income protection?
In our opinion, you should insure yourself and we will fully explain why. Of course, everybody’s situation differs, and our advice will be tailored to your needs and suited to your budget, whether it’s for mortgage protection, family, or personal protection, we have vast knowledge and experience in advising on all of your protection needs.
Do I only need life insurance if I have a mortgage?
No, while life insurance can help cover mortgage costs in case of death, it is still a valuable product for anyone with financial obligations or dependants. Please contact us if you would like to discuss your options further.
Bee Mortgage Solutions Ltd is registered in England and Wales. No. 15053417.  
Bee Mortgage Solutions Ltd is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority. 
Registered Office: 10 Houghton Close, Oakworth, Keighley, BD22 7FE.
Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702.
Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB. 
Bee Mortgage Solutions Ltd (No. 1002351) and Cornerstone Finance Group Ltd (No.767202) are entered on the Financial Services Register at  https://register.fca.org.uk/
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