Hambleton Financial Services


mortgage brokers,

based in Northallerton

North Yorkshire

Established in 1986.

We specialise in arranging



first time buyer mortgages, buy to let mortgages,

buy to let re-mortgages,

life insurance,

critical illness cover,

 income protection,

redundancy cover,

buildings/contents cover


We are paid commission

from the lender

should your mortgage complete

Hambleton Financial Services

1, Boston Avenue


North Yorkshire




08000 196 194


01609 77 57 44


07980 868154


Privacy Statement

Hambleton Financial Services

Mortgage Brokers & Insurance Consultants

Home About Us Our Services Mortgages Protection Insurance Extras

Are  you still paying too much?

Looking after our

clients since 1986

The guidance contained within this website is subject to the UK regulatory regime

and is therefore primarily targeted at consumers based in the UK.

Hambleton Financial Services is an appointed representative of TenetLime Limited,

which is authorised and regulated by the Financial Conduct Authority.

 TenetLime Ltd is entered on the Financial Services Register (www.fca.org.uk/register)

under reference 311266

Partners: W P Martlew & J E Martlew

A mortgage is a loan secured against your home or property.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.


What is it?

The process of moving your mortgage from

your present lender to another lender

When should I re-mortgage?

If you are paying your current lender's standard variable rate or coming to the end of a mortgage deal, and about to move to your lender's standard

                              variable rate

Why should I re-mortgage?

It depends on your individual circumstances, but in general some

people re-mortgage for one or more of the following reasons.

However, these reasons may not be suitable for everyone.

How much does it cost?

With such a competitive market place, more and more lenders are making the whole process increasingly cost effective.

For example with many competitive re-mortgages

the new lender will cover the cost of the valuation fee,

any legal work involved, and sometimes

won't even charge a lender's arrangement or booking fee.

In this case the only cost to you may be your current lender's mortgage exit fee for closing down the existing mortgage.   

So, what's the catch?

There isn't one, except making sure you choose

the right product for you.

With so many different products available,

doing this yourself would be extremely difficult.

Indeed many of the more competitive products

may not be available from your local building society or bank,

and you would therefore never find about about them.

That's how we can help.

Our computer based mortgage sourcing system, updated regularly, enables us to advise you of the

best re-mortgage product to suit your requirements.

What do I do next?

Call us on FREEPHONE 08000 196 194

for a free no-obligation chat

or complete the on-line enquiry form

and an experienced and fully qualified mortgage advisor

will answer your questions,

confirm how much you could borrow

and the likely monthly mortgage repayments.

We shall search through our database of hundreds of mortgages and recommend the best one for your individual situation.

We can help you to complete all the forms,

and manage your application through to a successful conclusion.

Don’t forget to look at our Extras page where you can


Think carefully before securing other debts against your home

Securing short term debts against your home or property could increase the term over which they are paid and therefore increase the overall amount payable.

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