Remortgage Calculator FAQs

Is the remortgage calculator accurate?

Our remortgage calculator provides an estimated figure based on the details you input, such as your remaining mortgage balance, property value, and desired terms.

While it’s a helpful starting point to understand your potential savings or new repayment options, speaking with a mortgage advisor will give you a more precise and personalised assessment.

Factors like your credit score, income, and financial goals are better addressed through tailored advice.

When should I remortgage?

Remortgaging is often a good idea when your current fixed-rate deal is nearing its end, as this can help you avoid switching to your lender’s typically higher standard variable rate.

It’s worth noting that many lenders allow you to secure a new deal up to 6 months in advance, meaning you can plan ahead and ensure a smooth transition.

You might also consider remortgaging to secure a better rate, release equity or consolidate debt.

Speaking with a mortgage advisor can help you determine the best time to remortgage based on your individual circumstances.

How long does the remortgage process take?

The remortgage process typically takes between four to eight weeks, depending on factors like the complexity of your application and the efficiency of the lender and solicitor.

Straightforward cases can sometimes be completed more quickly.

Starting the process early, such as 6 month prior to your deal ending, ensures you have enough time to secure a new deal and avoid delays.

Use the remortgage calculator above to get your journey started today!

Can remortgage with bad credit?

Remortgaging with bad credit is possible, but it may require additional consideration from lenders.

While some may offer limited options, others specialise in helping customers with adverse credit.

A larger amount of equity in your property or a stable income can improve your chances.

A mortgage broker like us can guide you through your options, finding lenders who may be willing to work with your circumstances.

Should I use a mortgage broker?

Using a mortgage broker like us when remortgaging can be highly beneficial. A broker has access to a wide range of deals, including those not available directly from lenders.

We can save you time, help you find a competitive rate, and provide expert advice tailored to your needs.

Whether you’re looking to save money, release equity, or remortgage with bad credit, we can make the process smoother and less stressful.

Our Customers Love Us

4.96 Rating206 Reviews

Raphaella

Brilliant service helping me to remortgage.

3 weeks ago

Katy

Matt and the team have been great. Quick turnaround from AIP to formal offer. Good advice and explained well in the initial stages. Overall very easy and simple process.

1 month ago

Nathan

Matt Collinson and his support team are brilliant, second time of using them and both times have been very smooth and simple! They have enabled to to exceed all my expectations the houses I would be able to purchase!

1 month ago

Reece

Very helpful, very efficient. Good service from a good team.

2 months ago

Anonymous

Made the remortgaging process very simple and completely painless! Highly recommend.

2 months ago

Anonymous

My industry generally uses fixed-term contracts and this complicated my situation when looking for my first mortgage. With my broker's help I was able to secure a mortgage and recently completed the purchase of a property. Thanks.

2 months ago

Grayson

smooth process throughtout. great communucation.would highly recommend to anyone looking for a mortgage broker.

2 months ago

Kieran

Helped me through my morgage process with no issues and was always just a phone call away to help me with any questions very great service throughout would highly recommend.

2 months ago

Mr.

Excellent advice given since I first started using their services. Honest and clear.

2 months ago

Chris

Fantastic service, Charlie and the UK Moneyman team went above and beyond to understand our financial situation and help us to get on the property ladder. Everything was patiently and clearly explained to us and we were kept up to date with the...

4 months ago

Anonymous

Excellent and personalised service

4 months ago

Alison

Have been very impressed. Certainly smoothed the whole process. Got a good deal on an atypical mortgage. Got an agreement in principle very quickly.

4 months ago

Simon

Excellent service

5 months ago

Anonymous

Excellent service. Would highly recommend.

5 months ago

Jason

Very good service always there to help you

8 months ago

Jason

Very good service always there to help .

8 months ago

Jeff

Chris and the team have been fantastic throughout our application, very friendly and always available to contact no matter how big or small the issues were and fantastic guidance for us first time buyers! We would highly recommend using their...

8 months ago

Anonymous

Great service, always helpful

10 months ago

Nathan

Friendly and relatable staff. Kept us in the loop and well informed throughout the process and made it all very hassle free for us.

10 months ago

Anonymous

Everything was well explained.

10 months ago