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Remortgage Guide 2018

Free PDF guide to remortgaging

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Martin and Lesley | Edited by Johanna

Updated August 2018

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If you want to change your current mortgage, this 66-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.

What version would you like?

This could take four weeks to arrive, If you want it quickly download the pdf. If you still want the printed version, please fill out the form.

Why do we need your details?
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 our 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.

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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.

This guide was last updated in December 2017. We're currently going through it with a fine toothcomb to make sure it's all up to date and correct for this year. In the meantime, the general principles are all the same and will still apply.

Who's the guide for?

This guide is for anyone who already has a mortgage on their home. A remortgage can be for many reasons - maybe you're coming to the end of your current deal, or your deal's no longer right for you. Or maybe you want to try to cut costs, or consolidate debts?

If you're a first-time buyer, see the First Time Buyers' 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. But before you start here's our big message:

If your mortgage is your single biggest expenditure, cutting its cost is likely to be your biggest single money saver.

Chapter 1: Why should I remortgage?

The biggest reason is to save yourself some serious money, but itís not the only one. Find out why you should look to remortgage in this chapter.

Chapter 2: Who shouldn't remortgage?

Remortgaging isnít the right option for everyone, there are many reasons why you shouldn't, or won't be able to, remortgage. Check this isn't you before taking the plunge.

Chapter 3: Getting ready to remortgage

Before you start looking at remortgage deals, there are some vital bits of information you need to know before ditching your current mortgage. This chapter gives you the questions you need to ask your current lender and confirm what you need from your new lender.

Chapter 4: Boost your chances of getting the best mortgage

Getting any type of mortgage is tough these days and you canít rest on your laurels just because youíve managed to get a mortgage from a lender before.

Read our top tips on getting yourself in the best possible shape to bag the most attractive remortgage deals on the market today.

Chapter 5: Remortgaging if you're self-employed or a contractor

Find out what additional information youíll need to prove you can afford a remortgage when youíre not a standard PAYE employee.

Chapter 6: What type of remortgage should you choose?

Do you know your fixed rate from your variable? Or whether you should choose repayment or interest-only? This chapter explains the pros and cons of the different mortgage types available.

Chapter 7: Moving house

If youíre moving house, itís not a remortgage you need. But it doesnít automatically mean you need a new mortgage either. If your current mortgage is portable, you might be able to take it with you. This chapter explains what porting is and the checks your lender will carry out before saying yes or no to you being able to move your mortgage with you.

Chapter 8: Don't forget the fees

Doing your sums is really important when remortgaging as there are likely to be fees for the new mortgage and maybe even some for leaving your current mortgage. This chapter points out all the fees that could be involved so you can make sure the sums stack up.

Chapter 9: How to get the best remortgage deal

This covers going solo (if you're ultra-confident), the three KEY questions to ask a broker and how to find a top broker. Chances are that using the right type of broker will be the best bet for most people, as they can whittle down the top deals quickly and offer you an extra layer of protection if things go wrong.

Chapter 10: Watch out for the hard sell on...

To compensate for lower profits on headline mortgage rates, some lenders have upped prices on associated insurance products. This chapter tells you the insurance policies you might face the hard sell on, what you should expect to pay, and how to find the cheapest products.

Chapter 11: Quick remortgages Q&A

This chapter covers a few commonly asked questions, like 'what is the mortgage APR for?' or 'can I let out my home?'.

If you're ready to hunt for a top remortgage deal, head straight for our Mortgage Best Buys tool, where you can compare the top rates, and then click through to a lender or broker to get your deal.

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:

First-Time Buyers' Mortgage Guide

This is for people looking to take out a mortgage for the first time.
Get the 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 & Debt Guide

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

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

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For all the latest deals, guides and loopholes - join the 12m who get it. Don't miss out