Compare Remortgage Quotes

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Remortgage Amount: *
First Name: *
Surname: *
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Mortgage Outstanding: *
Your Current Mortgage Lender: - Please Select - - Other - Abbey Accord Alliance & Leicester Allied Irish Amber Home Loans Bank of Ireland Bank of Scotland Barclays Barnsley BS Beacon Home Loans Birmingham Midshires Bradford & Bingley Bristol & West Britannia Capital Bank Mortgages Catholic Building Society Chelsea Chelt & Glos Clydesdale Bank Derbyshire Home Loans Direct Line Egg First Direct First National First Plus Future Mortgages GE GMAC Halifax HSBC I Group Intelligent Finance Kensington Lambeth Lloyds TSB Lloyds TSB Scotland Manchester BS Mercantile Money Partners Morgan Stanley Mortgages 4 Mortgages Direct Mortgages PLC Nat West Nationwide Newcastle BS Northern Bank Northern Rock Norwich Union Paragon Platform Portman Preferred Principality Prudential Royal Bank Scotland Rooftop Sainsbury's Scottish Widows Southern Pacific Scottish Widows SPML Standard Life Swift The Co-op TMB TML UCB Ulster Unity Virgin One Account Welcome West Bromwich Woolwich Yorkshire - Other - *
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Compare Remortgage Quotes

In recent times, the process of remortgaging every few years has come to be seen as an essential part of homeownership. Long gone are the days where a borrower would stick with the same mortgage throughout the term of their loan. The benefits available by switching mortgage deals can be substantial, not least the potential savings that can be made.

For those borrowers who have not yet arranged a remortgage in the past, you might be comforted to discover that the process is far less complex than when you first bought your property. All remortgage applications will still need to pass through a set of the lender’s underwriting criteria – Underwriting procedures are set in place to confirm, amongst other factors, that the property in question still provides adequate security for the loan advance and that the applicants are able to satisfy affordability criteria.

There are usually multiple parties involved when switching mortgage lender – These may include solicitors, a mortgage broker, an Independent Financial Advisor, the existing mortgage lender and the new mortgage lender – This extensive list does not even include the various departments between the different companies. Due to the frustration and stress that the remortgage process can potentially breed, it is important that you approach the right company to deal with your application. By approaching a reputable and knowledgeable mortgage broker, you might find that the process of remortgaging is a quick and easy experience.

Another benefit of approaching a mortgage broker, depending on the level of service offered, is that many of these companies will have the ability to search through a number of different lenders and lending products in order to match you up to the most competitive rates. This will not always be the case however and it must be understood that different companies will approach different lender(s):

> Some companies will offer mortgages from the ‘Whole of Market’,
> Some companies will offer mortgages from a limited panel of lenders,
> Whilst other companies will offer mortgages from one single lender.

Mortgage brokers and Banks are obliged to provide the above information on initial contact with their clients in respect of their mortgage search – this information will be provided on the initial disclosure document (IDD). Where a company offers mortgages from a limited number of lenders, they are also obliged to provide you with a list of these companies, only on request.

Arranging a remortgage is a very important financial step and as such it should be given a great deal of care and consideration when shopping around. It is always a good idea to have in mind the type of mortgage product that you require and the term over which you wish to spread the monthly repayments before searching for the most competitive rates.