- Europa House, Marsham Way Gerrards Cross, SL9 8BQ
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Your current mortgage deal might not be giving you the best value, especially when rates change. A remortgage could save you hundreds each month. Speak to our remortgage experts today.
Speak to us
Call 01753 463391 or just pop in your details below and one of our expert mortgage advisers will personally reach out to help you take the first step.
Unlock better mortgage rates and release equity from your Gerrards Cross property through our comprehensive remortgage service. Whether your fixed rate is ending, you need to raise capital for home improvements, or want to consolidate debt, we compare products from over 90 lenders to find optimal solutions. Our whole-of-market approach ensures you access the most competitive rates while our expert guidance manages the entire remortgage process from valuation to completion.
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Remortgaging involves replacing your current mortgage with a new deal on the same property, either with your existing lender (a “product transfer”) or with a new lender. The aim is generally to secure a better interest rate, change the loan term or borrow more money. At Hearthstone, we guide you through the options, whether switching provider or staying put, so you fully understand the process and costs involved.
You’ll start by reviewing your current mortgage deal (especially if it’s nearing its end). Then you compare new deals, apply for a new mortgage, pay off the old one and start the new one. Legal work and sometimes a property valuation are required, and the overall process usually takes around 4–8 weeks. Hearthstone’s advisers will map this timeline for you and ensure you’re ready with the paperwork and costs.
It can be, remortgaging may help you save on monthly repayments if rates have dropped, release equity if your property has grown in value, or better suit your changing circumstances. However, it isn’t always beneficial: fees, early-repayment charges, or extending your borrowing term could outweigh the savings.  At Hearthstone, we analyse both the potential savings and risks, ensuring any decision aligns with your long-term goals.
Some common risks include paying early repayment charges if your current deal hasn’t ended, extending the mortgage term which may increase overall interest paid, or entering negative equity if property values fall and borrowing increases. Also, if you don’t compare deals or act too late, you could be pushed onto a lender’s standard variable rate (SVR) which tends to be significantly more expensive. At Hearthstone, we highlight these risks clearly so there are no surprises and you can make a confident, informed decision.
Meet the experts behind our success. Each adviser at Hearthstone Mortgages holds CeMAP or higher-level certifications, real property experience, and deep knowledge of specialist lending. This includes buy-to-let portfolios, bridging finance, equity release, and commercial lending.
CeMAP
Founder and Managing Director
Ajay is the Managing Director of The Hearthstone Group, who excelled in the mortgage advisory space leading him to founding Hearthstone Mortgages in 2019. In addition to being at the top of the game in the UK advising on mortgages, bridging loans, protection and more, Ajay has built his own property portfolio across the UK. He has spoken on numerous panels throughout his career to fellow investors and mortgage lenders, and is a highly valued spokesperson for one of the most active property networks around.
Ajay’s fuel for helping as many people as possible drives him to continue growing the Hearthstone brand making sure that the knowledge he and his team share with clients is invaluable, creating possibilities that seem unattainable.
When he’s not securing property dreams for himself and mortgage clients, Ajay can be found hanging around the film studios as an actor and multiple award winning producer with over 20 projects to his name.
CeMAP, CeRER, PhD
Office Manager and Senior Adviser
Jordanne is an award-winning and highly experienced Senior Adviser across mortgages, equity release, commercial property, bridging, development finance, protection and will writing. Jordanne oversees the day-to-day operations at Hearthstone Mortgages; her drive to help her clients achieve their dreams is unmatched and her constant praise and reviews speak for themselves.
Additionally, Jordanne is a tennis 4x Paralympic medalist and 13x Grand Slam champion, having competed at the highest levels, prior to bringing her quite literally Olympic level ambition to Hearthstone.
CeMAP
Specialist Mortgage & Development Finance Adviser
Jamie brings a unique edge to Hearthstone Mortgages, combining a deep understanding of property finance, construction, and investment strategy. Before joining the industry, Jamie spent several years working hands-on in the construction sector — giving him a practical, ground-level insight into how property really works.
As a buy-to-let investor and adviser, Jamie specialises in helping landlords, developers, and portfolio clients across the South Coast and South East secure finance for everything from single-unit lets to multi-million-pound development schemes.
Jamie’s advice is always direct, strategic, and rooted in real-world experience. Whether you’re navigating complex lending criteria or looking to scale your portfolio, Jamie works to cut through the noise and deliver results, not jargon.
He primarily supports clients in Chichester, Bognor, Portsmouth, Southampton, Brighton, Hove, Eastbourne, and across the GU, RH, KT postcodes in Surrey, as well as Bournemouth.
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Just pop in your details and one of our expert mortgage advisers will personally reach out to help you take the first step.
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