Most remortgages start because a fixed rate is ending. A rate switch stays with your current lender: the loan, the term and the borrowers stay as they are, so there is usually no full underwrite. A remortgage to a new lender is a fresh application, and the contract is assessed again. We run both. If the deal is not ending yet, we can diarise a review about three months out.
- Product transfer compared with a move to another lender
- Early repayment charges set against the saving
- Raising money for works, or for a buy-to-let deposit
- A diary reminder if it is too early to apply
Deal not ending yet? Tell us the date and we will diarise a review.