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Take the hassle out of

Remortgaging

We'll search thousands of deals to see if you could save

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0800 316 4071

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Monday to Thursday: 9am - 8pm
Friday: 9am - 6pm
Saturday: 9am - 1pm

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Why choose us?

  • Our qualified advisers are fully independent and impartial
  • We search 11,000+ mortgages to find one that's right for you
  • We also search and compare direct remortgage deals, and will let you know if you could get a better rate by going direct
  • Our advisers don't earn commission, when they recommend a deal it's because it's right for you not for us
  • Your initial consultation is free - you only pay a fee if you decide to submit an application with us
  • You pay a flat fee in two parts with no hidden charges (See 'What we charge' section below)

Get the remortgage deal you need

  • Our expert mortgage advisers give you independent and impartial remortgage advice, searching the whole of the market, including deals you can only get direct from lenders, to find one that meets your needs.
  • We will let you know, completely free of charge, if you could get a better rate by going direct to a lender rather than using our service.
  • Don't get stuck on a Standard Variable Rate that isn't right for you, give us a call and challenge our team to find you a better rate - we even look at direct lenders

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 How much can I borrow? Use the stamp duty calculator

About Which? Mortgage Advisers

We’re part of Which?, the independent consumer champion, and we make sure your interests come first. All our advisers are completely impartial and CeMAP qualified - so you can count on their expert knowledge. Watch our short video to meet our team and find out how we can help you get the right deal for you.

Friendly experts offering
personal remortgage advice

we’ll search for a remortgage that meets your needs

Call us now

Free from your mobile or landline

0800 316 4071

Or we can call you...

Request a call back

Lines are open:
Monday to Thursday: 9am - 8pm
Friday: 9am - 6pm
Saturday: 9am - 1pm

More about remortgaging

Remortgaging need not be a hassle. In fact, it’s something we should all think of regularly to make sure we’re still on the best mortgage deal.

It’s important to start shopping around for a new offer before you get transferred onto your lender’s standard variable rate (SVR) – this could be higher than your current rate.

About remortgage rates

The rate you will be offered on a remortgage deal will vary according to a range of factors. These can include:

  • The value of the property and whether it has increased since you first took out a mortgage
  • How much of the property you own outright
  • How much you want to borrow
  • Your income

The same factors you had to consider when taking out your first mortgage will all affect how much you’re able to borrow and the flexibility you can have from a new mortgage deal.

The Which? mortgage comparison tables let you search all available deals from all available lenders to choose the best deals based on quality of service as well as cost and benefits.

Which mortgage comparison table: Remortgaging deals – compare the best deals on the market

Types of remortgage deals

There are a range of different remortgage products available on the market, and it’s possible to shop around for the type which suits you best.

In essence, these types of deals could be no different to the first mortgage you take out. But depending on your financial situation at the time that your first, or subsequent, mortgage deals have come to an end, as well as the state of the mortgage market itself, you may want to consider a different type of remortgage.

Remortgage fees explained

Remortgaging your home  can be expensive and you should take the fees associated with remortgaging into account when weighing up the pros and cons of switching to a new remortgage deal.

Remortgage fees essential information

It’s important to check the cost of mortgage fees carefully, as they can easily add up to thousands of pounds. Although when compared to the overall cost of your mortgage loan a thousand pounds may seem like a small amount, if you’re remortgaging every few years then these fees could soon add up to a significant amount.

Don’t add remortgage fees to your loan

You may be given the option to not pay the upfront fees for remortgaging, and instead adding them to your overall loan. Which? advises caution here – interest will be added to these fees, meaning that you that the overall cost could be much higher over the longer term.

The Which? mortgage comparison tables let you search all available remortgaging deals from lenders large and small to choose the best deals based on quality of service as well as cost and benefits.

  • Alex from Which? was very efficient, understanding to our needs and prompt during our remortgage. I will not hesitate to recommend this company to anyone because of their outstanding service.
    Nirmal
  • We had a let-to-buy mortgage setup, including a remortgage on our current property. Which? understood our needs well, found great rates, and were very helpful at every step along the way. They went out of there way to push the lenders to get our mortgages approved ASAP.
    Very thorough and helpful.
    Simon

What we charge

You won't pay for your initial consultation. If you decide that you'd like us to help with your application, we'll charge a fee of £499 to cover our administration costs.

This is paid in two parts:

1.

A first instalment of £299 when we start. This fee is non-refundable and payable on application.

2.

A second instalment of £200 once you complete your mortgage. If you're a full Which? Member when you first get in touch, this is £100 (this does not include temporary or trial membership).

*These amounts are subject to change. These charges apply to each mortgage contract you enter into through us. Once you've spoken to an adviser and provided details on your specific requirements, we'll confirm the exact fee to be paid and when it will be collected.

On most mortgage applications we receive a commission fee from the lender on completion. This is separate from our administration fee and is additional fee we receive.

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.

Lines are open:
Monday – Thursday: 9am-8pm
Friday: 9am-6pm
Saturday: 9am-1pm
Sunday: closed
Bank Holidays: closed