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The Remortgage Guide Free PDF guide to home loans

Get Martin's free printed guide

If you want to change your current mortgage, this 30-page guide has tips on when you should remortgage, when you shouldn't, mortgage types, and how to get the top deals.

Our free, detailed printed guide takes you through it all, to home in on the best MoneySaving remortgage deal.

What version would you like?

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Why do we need your details? This is the printed version of the booklet. We need to post it to you. To pay for the printing and distribution, whilst completely editorially independent, the guide is sponsored by London & Country mortgages.

However don't worry, we will not give your name and address to anyone else and you will not receive any further mailings whatsoever from us or London & Country.

If you input your email address, we'll send you Martinís weekly Money Tips email so you don't miss out on MoneySaving tips or mortgage news. If you don't want to sign up, leave the email field blank.
Why do we need your email? Originally this was only a free booklet we posted to people. But demand was so powerful, we created a PDF to ensure instant access for everyone. To pay for the printing and distribution, while it's completely editorially independent, the guide is sponsored by London & Country mortgages.

As part of that, the sponsor needs to track how effective it is. But don't worry, we won't give your name and address to anyone else, and you will not receive any mailings whatsoever from us or London & Country. It's purely for tracking purposes.

Who's the guide for?

This remortgaging guide is for anyone who already has a mortgage deal and either wants to try to cut its cost, move house, consolidate debts or change the deal in any way.

If you're a first-time buyer or want a buy-to-let mortgage, see the Mortgage Guide instead.

There's only a limited supply of printed copies, so please download the PDF version if you're able to.

What's in the guide?

If you want a sneak peek before getting the whole thing, here's a quick breakdown and intro for each section of the guide...

The big message:

If your mortgage is your single biggest expenditure, cutting its cost is likely to be your biggest single MoneySaver

  • Chapter 1: Why should I remortgage?

    The simple reason is because it could save you an absolute fortune. Cutting 1% off a £100,000 mortgage will cut costs by £60-80 a month. Remortgaging to a better rate could be the biggest single MoneySaving activity possible, the financial equivalent of liposuction.

    If you're the kind of person who shops around to get the cheapest television or DVD player, then you're missing a trick by not using the same skills to save on your mortgage.

  • Chapter 2: Why shouldn't I remortgage?

    Despite the potential savings, remortgaging's not for everyone. It's all a question of money, timing, and personal circumstances.

    Essentially, you have to decide whether the potential savings available at the point you're considering switching will outweigh the cost of actually doing it.

  • Chapter 3: What type of mortgage do I want?

    Choosing a mortgage is like ordering breakfast in an American diner. It's a series of choices which seem to go on forever, but which should help you identify what you want.

    It's best to think back to why you want to remortgage in the first place, and that should help you work out what you need the new loan to do.

  • Chapter 4: Other things to consider

    Even after you've chosen the type of mortgage you want, there are some key questions to ask before you commit to it.

    This chapter goes through the questions to ensure you don't get caught out.

  • Chapter 5: No such thing as a free lunch

    Although remortgaging can save you masses overall, it's not without its own costs, which sadly have risen sharply over the last few years. Pressure to keep headline rates low has meant many lenders have increased the fees they charge borrowers to move to new deals.

    Of course, if the costs outweigh the savings there's no point moving. So here's a rundown of the ones you'll face.

  • Chapter 6: How to do it?

    There are several ways to go about remortgaging, and which to choose depends largely on your level of confidence. If you're superconfident in your MoneySaving skills there's nowt to stop you doing it all yourself, but chances are you'll be better getting advice from a broker.

    Why? Well, provided you get a 'whole of market' broker, they're likely to track down top deals quicker than you could. They can even help you get accepted for deals you might not otherwise have met the criteria for.

Has the economic downturn changed anything?

This guide has been rewritten in the face of the credit crunch and its impact on mortgage lending. Finding a top deal now is tougher than it was back in the mid-noughties, as mortgage companies are no longer fighting for business. Now, many donít even want it.

This makes it even more important that you follow the guide to understand how mortgage deals work, before trying to find the right one for you.

How come it's free?

The guide is sponsored by fees-free mortgage broker London & Country. Don't worry, it's had nothing to do with the content, which purely depends on our view of the best way to save money while remortgaging.
Blue question mark
The guide is written with complete editorial independence and is purely focused on finding you the best deal, and this is enshrined in the contract.

Having said that, L&C isn't stupid. We've been independently listing it as one of the top brokers for the past five years (see the Cheap Mortgage Finding guide) so it had a pretty good idea it wouldn't come out too badly.

L&C sponsors the guide because it gets a one-time chance to include its own letter promoting its service when it mails out the guide. Just to assure you, you won't be sent any follow-up advertising, marketing or any of that malarkey.

In the trade, this is known as a payment for Ďlead generation'. In this case, that means L&C pays for the publishing, printing, posting and a small fee to help this site. See more about this site's ethical financial stance.

Are there any more guides?

Yep! As well as all the online guides on this site, there are a selection of special PDF downloads:

The Mortgage Guide
This is for people looking to take out a mortgage for the first time.
Get full PDF guide: Mortgage Guide.

Teen Cash Class
A 40 page guide to teach kids AND parents all the essential money lessons.
Get full PDF /printed guide: Teen Cash Class

Mental Health Guide
This is a free 40-page PDF booklet supported by Mind, Rethink, and others.
Get full PDF guide: Mental Health

There's only a limited supply of printed copies, so please download the PDF version if you're able to.

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What the * means above

If a link has a * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment to the site. It's worth noting this means the third party used may be named on any credit agreements.

You shouldnít notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How This Site Is Financed.

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