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.

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191 5 Star Reviews

keith mantle

UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle

12 Jun 2026

Adam Bateman

Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice

9 Jun 2026

amber sheridan

Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.

28 May 2026

Keith Hirst

UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.

22 May 2026

Victor Abrams

I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams

15 May 2026

Julie Brake

We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.

12 May 2026

Abdul khaliq Mayar

I would highly recommend UK Money Man, especially Matthew Collinson and Paula. They have done an amazing job for me from start to finish. My previous mortgage broker got my application declined through TMW, and I was very stressed and worried. When I came to UK Money Man, they completely changed the game for me. Matthew was always helpful, professional, and kept me updated at every stage — even on his day off. That level of service really meant a lot to me. Paula was also fantastic and worked hard on my application. Thanks to their hard work and support, my mortgage was approved. I truly appreciate everything they have done for me and my family. I would definitely recommend Matthew, Paula, and UK Money Man to anyone looking for a reliable and supportive mortgage broker.

11 May 2026

Flc

Amazing company! Used them many times since 2018 and always a high standard of service! Would definitely recommend!

5 May 2026

William Thompson

I would like to say Thankyou to Jonathan and Dan for giving me an easy experience in sorting out my equity release.They were polite,friendly and very professional in their duties,and they made everything as easy as possible for me

29 Apr 2026

Yasir Noori

The team at UK Moneyman, especially Stacey Waudby and Matt Collinson, were fantastic. They have been really helpful throughout the process and in keeping me in the loop, with any update regarding the application

16 Apr 2026

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