Case Study

Second home remortgage & holiday let

September 24, 2025

Client
Background

When Ray approached Thickbroom Mortgages, his current mortgage rate was coming to an end. He also had unsecured debts with highly monthly repayments that were putting pressure on his monthly finances. With limited experience in the remortgage process, Ray turned to us for expert support, trusting us to advise on a new fixed-rate mortgage and helping to secure his debts into a more manageable repayment structure.

Our Task

Our task was to assess Ray’s full financial position, including the nature of his debts and current repayment rates. We needed to research a lender who would allow him to consolidate his debts and offer the highest borrowing amount for the mortgage. Ray wanted us to handle the entire process on his behalf, fully trusting our expertise, integrity and end-to-end service.

Our Impact

By consolidating Ray’s debts and raising funds for energy-efficient home improvements, we helped him achieve a more stable and sustainable financial position. His monthly repayments became more manageable, his home more valuable and his stress levels significantly reduced.

"

I am extremely satisfied with all the advice I have been given. When it was time to renew my mortgage, the process was stress-free and gave me the platform to take control of my financial position. The service was efficient and I look forward to working with them again. Thank you

"
Ray's testimonial

Ray

Why Choose Us?

At Thickbroom Mortgages, our clients’ priorities are our priorities. Our clients trust us time and again to provide tailored and transparent advice with care, clarity and integrity.

Whether you’re remortgaging, consolidating debt or planning for the future, we’re here to make the process simple and stress-free.

Is your Home up for Remortgage?

Get in touch for a bespoke and personal service that puts your needs first.

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Frequently Asked Questions

Can’t find what you’re looking for?

Get in touch with any questions.

Mortgage FAQs

Protection FAQs

A mortgage adviser or broker finds and arranges the most suitable mortgage for your needs, comparing deals across lenders and managing the application process for you. They communicate with lenders, solicitors and accountants, providing advice on your options, putting time and control back in your hands.

If you’re short on time, have a complex income or want access to a wider range of deals, an adviser can save you time and stress.

Yes! We specialise in helping self-employed clients and those with non-standard income. We know how to present your case clearly to lenders for the highest chance of approval. Take a look at Antony and Nadine’s stories to learn more about how we support self-employed applicants.

We work with lenders who consider applicants with poor credit histories. We’ll assess your situation and guide you through your options.

We offer an initial free consultation to determine if we can assist you. Upon instruction, our standard fee payable is £250 followed by a further £245 once the mortgage offer has been issued. However, depending on your circumstances and the work required, this may change – we will clearly state the fee before commencing work.

It varies, but we aim to move quickly. Once we understand your needs, we handle the paperwork and keep things moving to help you achieve your goals.

Absolutely! Whether you’re a first-time landlord or expanding your portfolio, we can help you find the right deal and give you tailored advice. Take a look at Nadine’s story to learn more.

Yes! We can help you finance second homes, UK holiday lets or properties abroad, depending on your goals. Click here to read about Nadine’s experience with us.

Typically, ID, proof of income, a credit report, bank statements and details of any debts or financial commitments. We’ll give you a full checklist.

Yes! Whether your current deal is ending or you want to release equity, we’ll help you find a better fit. We helped Antony refinance his home – click here to read his story.

Protection FAQs

It includes life insurance, family income benefits, critical illness cover and income protection, all designed to support you and your family if something unexpected happens.

Business protection covers key people, shareholders and loan repayments. It helps keep your business running if someone vital becomes seriously ill or passes away.

If you have a mortgage, dependents or a business, protection gives you financial security and peace of mind if life doesn’t go to plan.

Yes! We work with insurers who consider a wide range of health backgrounds. We’ll help you find the most suitable option.

That depends on your income, debts and family or business responsibilities. We’ll help you calculate the right level of protection.

It can be more affordable than you think! We’ll tailor the cover to your budget and priorities.

Life insurance pays out if you pass away; income protection pays a monthly benefit if you can’t work due to illness or injury.

Yes! We often arrange both together to make sure your home and income are fully protected.

Some policies can be arranged in a day. Others may take longer if medical checks are needed. We’ll keep on top of the admin and communications for you.

We offer ongoing support to make sure your protection still fits your needs as life changes.