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Guide & FAQs to Remortgaging

Guide & FAQs to Remortgaging

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As an independent UK broker, Revolution Finance Brokers aims to provide as much information as possible about the remortgaging options out there.

We work with clients who are considering remortgaging for any number of reasons, such as:

  • Switching to a more competitive mortgage.
  • Raising capital to renovate or improve their home.
  • Releasing equity to pay off debts.
  • Consolidating debt in a lower interest mortgage rate.
  • Using equity to pay for other expenses.

Remortgages are available for private homeowners, businesses, and those seeking to raise capital for investments.

Our guides cover the full range of remortgages, considerations to think about, and advice to help you make informed choices.

For more help and support with your remortgage, contact the team on 0330 304 3040 or drop us an email to

What is a Remortgage?

Remortgaging means taking out a new mortgage that repays your existing mortgage, and then having a new replacement mortgage either with your current provider, but on a new deal, or with a different lender altogether.

When you remortgage with a new lender, they repay the old mortgage, so this is repaid in full. A solicitor is required to assist with the paperwork - and then your new mortgage takes over.

Many clients remortgage to release cash. In this scenario, the same thing happens but the capital released is paid to you via your solicitor.

How Long Will it Take to Remortgage my Home?

The remortgage process is usually quicker than taking out an initial mortgage. This can take around four weeks on average, and sometimes be much faster.

If you have all the paperwork and information you need from the outset and use an expert broker to apply to the right lenders, the process is streamlined.

Remortgages are simpler because:

  • There is no property chain to consider.
  • No houses need to be bought or sold.
  • Exchange contracts are unnecessary.

There can be more complex scenarios, which take longer. For example, applying for a remortgage with bad credit may take slightly longer than without.

However, the fastest way to complete a remortgage is by working with an experienced broker who can guide you through each step.

How Can I Get Started with my Remortgage Application?

The process is easy:

  1. Contact the Revolution Brokers team on 0330 304 3040 or drop us an email at
  2. We'll get to know a little more about your circumstances, the remortgage you want, and will arrange a convenient time for a chat with one of our remortgage experts.
  3. Your adviser goes away, searches the market, and comes back to you with independent recommendations about where best to apply.
  4. You decide whether to proceed or not - and if you do, we work with you every step of the way from the application stage to completion.

Check out our handy calculators

Our quick mortgage calculators are designed to give you an indication of how much you can borrow and allow you to consider the different mortgage options available to you.
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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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