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

215 5 Star Reviews

Joseph Harros

As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.

29 Oct 2026

Jade Wilmot

As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.

29 Oct 2026

Diane A

First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home

28 Oct 2026

Chloe Gathergood

Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much

23 Oct 2026

Rebecca Joy

Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!

15 Oct 2026

Callum Kennedy

Very helpful and informative. Made the process as easy as possible. Would recommend to other

14 Oct 2026

Barry Hall

I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.

14 Oct 2026

Megan Whitlock

The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you

14 Oct 2026

Linda Chadwick

Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%

14 Oct 2026

Natalie Rose

We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam

13 Oct 2026

Remortgage Calculator