Fear not. We’ve got access to 90+ lenders with over 20,000 mortgage deals. All under one roof.
Check your eligibility in minutes, without affecting your credit score.
Deciding whether to remortgage your home or not can be tricky. If you need to find your way through all the facts and figures, we can help.
A remortgage means changing your existing mortgage deal.
This may mean changing your existing mortgage with your current lender or switching to a new lender.
Many people remortgage their property to find a more competitive interest rate and terms.
We’d be happy to advise you, no matter what your reasons are for wanting to remortgage.
You already know how important it is to get the most suitable mortgage. We’re pleased to offer a quick and simple remortgaging process for existing homeowners.
The entire application can be handled over the phone by one of our advisors, meaning that there’s no need for a lengthy sales appointment.
Even better, we search the market to find the best possible remortgage deals and rates to suit your situation.
We’ll even handle the remortgaging process for you, so you won’t need to spend your time and energy filling in complicated paperwork and liaising with lenders.
Sounds good, doesn’t it?
If you are looking to secure the best remortgage deal in 2023, these are some of the steps you should consider taking:
The main reason you might want to remortgage is to save money in the long run, but there are other reasons too!
Here are some of the most common scenarios:
Although it’s always a wise idea to keep up to date with the most competitive mortgage deals, the general advice is to consider remortgaging around three to six months before your current mortgage term is going to expire.
This provides you with sufficient time to start looking for a new lender or deal and ensures you have it all planned to go ahead before you revert to your existing lenders standard variable rate (SVR).
In general, a remortgage application will take between 1 to 2 months from start to finish.
However, the timeline can be impacted in the event that you want to borrow more.
If your circumstances haven’t changed and you simply want a better deal on your current property, then you will be looking to move ahead relatively quickly.
Absolutely. It is important to remember that some “blotches” on your credit report carry more weight than others and it’s still possible for you to remortgage with bad credit.
Lenders are more likely to be lenient if you missed a bill payment a couple of years ago, with a good explanation.
Luckily, each lender has different criteria for assessing your credit score. In fact, you might be pleased to know that some lenders don’t actually credit score at all.
This means that even if your current mortgage provider may not offer you a new rate, another lender out there might. It’s all about finding the right lender for you.
Yes, it’s quite possible to remortgage with a new lender.
As long as you’re not on a current deal, then you won’t have to pay any early termination/other associated fees.
However, if your mortgage term has expired or is about to expire, you can decide to go with a new ender with no extra fees.
We’re often asked to comment on the latest hot topics from across the property industry,
From mortgage top tips, to the best colours to paint your walls, some of our friends below:
Complete our 10 minute fact find online and we’ll be able to search our 100+ lenders quicker and call to talk you through it at a time that suits you.
Jamie is a specialist for all things insurance. Whether it’s life, income protection, critical illness or buildings and contents… Jamie is the guru.
Applying for a mortgage with mortgageable is easy. You can give us most of the information we need up front via out ‘fact find’. You can book a time for an advisor to call you… or you can start with a quick chat online.
Complete our quick online ‘Fact Find’ and we’ll match you to an Advisor.
Your advisor will scower over 100 lenders to find you the best deal.
Easy application via our online portal & dedicated admin support.
Head of Sales