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At the moment, mortgage applications are on average taking 2 to 6 weeks to be approved, but often less. Every lender has different timescales they work towards so if speed is of importance, that can be factored in to your decision making.

By remortgaging, you can raise funds to pay off unsecured debts like credit cards, personal loans, or car finance, rolling everything into one, lower-interest monthly payment.

Here’s how it helps:

• One single payment – everything is combined into your mortgage, simplifying your finances

• Lower monthly costs – mortgage rates are usually much lower than credit cards (which average around 19.9%!), so you could save significantly

But it’s not for everyone. Extending your debt over a longer term can mean paying more overall, so it’s vital to speak with an FCA-regulated broker first before making any decisions.

Remortgaging can make sense for several reasons, whether you’re looking for a better deal, want to pay off expensive debt, or need funds for home improvements.

If your current deal is ending or you’re on your lender’s Standard Variable Rate (SVR), then yes, you should absolutely be looking at your options. If you’ve got over £5,000+ in credit card debt, loans, or car finance, speaking with a broker could help you consolidate it into one lower monthly payment.

If you’re facing early repayment charges, a broker will work out whether switching now is still worth it, it all comes down to the numbers.

The amount you can borrow depends on several factors, including your household income, existing financial commitments (like loans, credit cards, or car finance), and the length of the mortgage term. Your mortgage advisor will assess your situation and confirm how much you could realistically borrow.

Most lenders prefer to see a clean payment history over the past three years, but there are still options available if you’ve had credit issues. If needed, your specialist advisor will explore lenders who are open to clients with bad credit.

Yes, if you are switching to another lender. However, the good news is that the remortgage conveyancing process is usually straightforward and most lenders offer free legal with their remortgage mortgage products.