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5 Tips to Cut the Cost of Remortgaging

  • Check other remortgage deals
  • What fees are you paying?
  • Speak to your current lender
  • Improve your credit rating
  • Get independent advice
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0800 316 4071

About us

  • Impartial mortgage advice
  • Our advisers aren’t paid individual commission
  • We scour the whole market, even deals you only get by applying direct to the lender
  • We give you your own qualified mortgage adviser and caseworker
  • We’ll guide you through the whole process, until you’re holding the keys to your new home
  • We’re authorised and regulated by the Financial Conduct Authority

We’re owned by a registered charity, the Consumers’ Association. We use any profits we make to pay for the campaigning we do on behalf of all consumers.

Find out more

1. Check other remortgage deals
Use our mortgage rates table to compare the total cost of remortgaging deals including the fees.

2. What fees are you paying?
Fees to set-up a new mortgage can run into thousands of pounds so you should look for deals where the overall cost of the interest and the fees will be cheaper.

3. Speak to your current lender
Your existing lender might offer you a better deal, and you may find you won’t need to pay fees or penalties for changing to a new provider. We can also view all direct-lender deals – call us on 0800 316 4071 or submit a call back with us to see if we can help you save.

4. Improve your credit rating
This will have an impact on what deals you will be offered. You can request your credit report from the three credit references; Equifax, Experian and Callcredit. To help improve your credit rating get rid of things such as credit cards that you don’t use anymore. Read the Which? guide on ‘How to improve your credit rating’ for more help.

5. Get independent mortgage advice
These tips are general; we think it’s also a good idea to speak to an independent, expert mortgage adviser who is not tied to one particular lender and isn’t paid commission will be able to provide you with impartial advice on the best remortgage for you.

Which?’s independent mortgage brokers can offer you completely impartial advice based on your individual circumstances. And because our advisers aren’t paid commission you can be sure that they’re only recommending the deal that is best for you. For a detailed chat submit a call back with Which? Mortgage Advisers or call 0800 316 4071

How we’ve helped

We were very satisfied with the service and have recommend it to several friends as a result. Your advice was great – you took the time to explain everything clearly and carefully, which was very useful for someone who didn’t know much going into this.

Adam Cochrane

We think your service was excellent in every way – from the initial advice to the completion of the remortgage. There was no hassle whatsoever and we are very well pleased. We will certainly recommend your services to anyone we know who may be interested. Thank you very much.

Mr and Mrs Thwaites

Thank you for your patience in helping us through the challenges of moving. You did a tremendous job. Thank you very much for helping in the expansion of our happiness.

Paul Robinson

Mortgage calculators

Get an idea of how much you could borrow and what your repayments might be with our handy calculators.

Use the repayment calculator

We’re here to help you

Contact Which? Mortgage Advisers free from a mobile or landline on 0800 316 4071

Or we’ll arrange to call you

Request a call back

Your home may be repossessed if you do not keep up repayments on your mortgage.

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