- Check other remortgage deals
- What fees are you paying?
- Speak to your current lender
- Improve your credit rating
- Get independent advice
1. Check other remortgage deals
Use our mortgage rates table to compare the total cost of remortgaging deals including the fees.
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.