The remortgaging process is made up of lots of steps – though all are easy to follow, so don’t worry.
If you’re unsure of what to do at any point, give your mortgage adviser a call or send them an email.
Work out how much you can afford
Check your finances and work out your monthly incomings and outgoings. You can then decide how much you can afford to spend on regular mortgage repayments once you have taken into account your other living costs.
Use our mortgage finder
Use our mortgage finder to see how much you might be able to borrow and what the monthly repayments could be.
Find the right mortgage for you
Find a mortgage deal that works within your budget and circumstances. Remember to plan the monthly repayments around your bills and financial commitments.
Choose the right time to remortgage
Leaving your current mortgage deal early might mean you pay a fee, called an early repayment charge. Find out from your mortgage provider if you’ll have to pay this before remortgaging.
Plan ahead
You can plan to remortgage before your existing deal is up and arrange for your new deal to start once your existing deal ends. This is usually up to six months before the end of your deal.
