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.

Our Customers Love Us

71 5 Star Reviews

daniel beever

Warren and Jo have been exceptional with helping us to find a better deal for our remortgage and I would recommend anyone who is having issues with their mortgage. To use Moneyman. Without doubt exceptional service. 👏

23 Oct 2026

Drew Zi

UkMoneyMan were a good business to work with. My particular demands were quite specific and they managed to find a mortgage provider to fit the exact requirements I needed and it was easy to work with them and they were very responsive. I highly recommend then to anyone for a hassle free service.

11 Aug 2026

Zoe Lambley

So so so helpful! Took the time several times to help and advise me. Wayne who I deal with you have been so nice and I’m very grateful for your help! ⭐️

8 Aug 2026

M Sharman

Very helpful, definitely made the process of finding and applying for mortgage and related insurance easier

28 Jul 2026

Walter Osborne

Easy to talk to and understand every step of applying for a mortgage made easy thank you

2 Jun 2026

Chris Leary

Extremely happy with all the staff that has dealt with our mortgage. Every step has been so smooth and stress free. Thank you so much to everyone at UK Moneyman

2 Jun 2026

H B

We have used Moneyman 3 times now, our initial mortgage and then twice for remortgage, and we definitely intend to use them again in the future. Would definitely recommend to others.

13 May 2026

Lindsay Banks

Ami was fantastic! Professional, knowledgeable, highly skilled at her job and caring, always considering the best needs of the individual, and working tirelessly to reach the best possible outcome. I would recommend her without hesitation, and am so glad I had her on my journey towards securing a motgage offer. Thank you so much!

15 Apr 2026

Elizabeth Heslip

Would 100000% recommend this service. Leo, my advisor held my hand and walked me through the process from start to finish. As a solo first time buyer, it was exactly what I needed, as I found the process very daunting. Stacey was fantastic on the document side of things, and both Leo and Stacey’s communication was fab with me.

16 Mar 2026

charlotte baxter

They have been very helpful and secured our mortgage offer very quickly. Jason was very efficient with the process from first call to us submitting documents and Stacey was great with updates after submitting the application.

12 Feb 2026

Remortgage Calculator