Remortgage Calculator FAQs

Is the remortgage calculator accurate?

Our remortgage calculator provides an estimated figure based on the details you input, such as your remaining mortgage balance, property value, and desired terms.

While it’s a helpful starting point to understand your potential savings or new repayment options, speaking with a mortgage advisor will give you a more precise and personalised assessment.

Factors like your credit score, income, and financial goals are better addressed through tailored advice.

When should I remortgage?

Remortgaging is often a good idea when your current fixed-rate deal is nearing its end, as this can help you avoid switching to your lender’s typically higher standard variable rate.

It’s worth noting that many lenders allow you to secure a new deal up to 6 months in advance, meaning you can plan ahead and ensure a smooth transition.

You might also consider remortgaging to secure a better rate, release equity or consolidate debt.

Speaking with a mortgage advisor can help you determine the best time to remortgage based on your individual circumstances.

How long does the remortgage process take?

The remortgage process typically takes between four to eight weeks, depending on factors like the complexity of your application and the efficiency of the lender and solicitor.

Straightforward cases can sometimes be completed more quickly.

Starting the process early, such as 6 month prior to your deal ending, ensures you have enough time to secure a new deal and avoid delays.

Use the remortgage calculator above to get your journey started today!

Can remortgage with bad credit?

Remortgaging with bad credit is possible, but it may require additional consideration from lenders.

While some may offer limited options, others specialise in helping customers with adverse credit.

A larger amount of equity in your property or a stable income can improve your chances.

A mortgage broker like us can guide you through your options, finding lenders who may be willing to work with your circumstances.

Should I use a mortgage broker?

Using a mortgage broker like us when remortgaging can be highly beneficial. A broker has access to a wide range of deals, including those not available directly from lenders.

We can save you time, help you find a competitive rate, and provide expert advice tailored to your needs.

Whether you’re looking to save money, release equity, or remortgage with bad credit, we can make the process smoother and less stressful.

Our Customers Love Us

4.95 Rating38 Reviews

Anonymous

Dinah Harros helped me figure out everything I needed to as a first time buyer and made me feel at ease. Amy Kerwick would regularly call to update me on my situation - which I was grateful for - especially nearing the end when all you want to hear...

2 months ago

Daniel

Wayne and debbie were excellent. Great service

4 months ago

David

Harrogatemoneyman provided an excellent service. When we contacted our existing lender to increase our loan, it told us we can't even afford the loan we already have despite us never having missed a payment in the 17 years it has run. Dan was able...

4 months ago

Anonymous

Jason & Debbie have been extremely efficient; with our mortgage being offered within 2 weeks from initial contact. Excellent communication and helpful advice throughout, especially as I am self employed. Highly recommend!

4 months ago

Zoe

Jason and the team have been amazing, so helpful!

1 year ago

Shannon

Matt from Harrogate money man was so accessible and supportive throughout our journey to get a mortgage. He has been close at hand every step of the way and gave us so much convince in ourselves and our own finances which we didn’t have to begin...

1 year ago

David

Excellent service and very happy. Highly recommend and thank you Leo & Meghan! Best, David

2 years ago

Lydia

They have been excellent! Couldn’t have asked for better help and communication. They were very understanding and have been very patient with us over the last few months.

2 years ago

Sally

I'm really pleased with the service at Harrogatemoneyman and would definitely recommend them. Leo and Jo have been really helpful and supportive throughout the process.

2 years ago

David

Chris was brilliant at guiding us through the whole process. As FTB, you think you understand the process but there is so, so much more too it and having someone who you can ask questions almost anytime of the day, was something we could not have...

2 years ago

Rebecca

As first time buyers this whole process initially seemed very daunting. We spoke with Matt over the phone and he talked us through the process, was really positive and has got us through the process. It has been stressful but Matt kept us updated...

3 years ago

Maria

Me and my husband were looking to get a mortgage, we are first time buyers, so were wanted a stress free process and getting the best deal for us. Harrogatemoneyman was amazing! Very professional, answered all our questions and kept us regularly...

3 years ago

John

Fantastic service from start to finish. Every stage of getting a mortgage for a first time buyer was carefully explained with complete transparency of costs and what to expect. 100% recommend.

3 years ago

Salvatore

Joe and Meghan have been very helpful and professional. They have explained everything clearly and responded extremely quickly to our correspondence. We would certainly use your service again and recommend both Joe and Meghan to others.

3 years ago

Deanna

Amazing service & support! We are first time buyers and felt the process from start to getting our mortgage accepted was amazing & very smooth!! We were kept up to date regularly and felt comfortable to ask any questions. Special thank you to...

3 years ago

Charlie

Really impressed with the service from these guys, from start to finish the process has been so easy. Our situation was slightly different from normal but they still managed to get the mortgage sorted for us. They always kept us up to date with...

4 years ago

Deanna

Leanne was so friendly and approachable. Extremely helpful.

4 years ago

Laura

Fantastic service from start to finish. Matt was always on hand to answer my questions and explained everything clearly, along every step of the way. Thank you!

4 years ago

Heather

Polite helpful reassuring conversation. Very helpful.

4 years ago

Richard

Excellent from start to finish. Booked appointments that suited us even late evening! Found us a great deal on our mortgage and wage protections. Thanks Malcolm for all your help!

4 years ago

Remortgage Calculator