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Get Martin's free printed guide
If you want to change your current mortgage, this 60-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?
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 and cut costs, or consolidate debts?
If you're a first-time buyer, see the First Time Buyer's Mortgage Guide instead. And if you're buying another property as an investment to let out, see the Buy-to-Let Mortgage Guide.
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 its not the only one. Find out why you should look to remortgage in this chapter.
Chapter 2: Who shouldn't remortgage?
Remortgaging isnt the right option for everyone, there's 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 cant rest on your laurels just because youve 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 youll need to prove you can afford a remortgage when youre 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 youre moving house, its not a remortgage you need. But it doesnt 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 theres 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: Remortgages quick 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 strsight 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.
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 lead 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:
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.
Remortgaging; Remortgage Guide; Mortgage Best Buys; Should you Remortgage? which purely depends on our view of the best way to save money while remortgaging.
First time buyers' mortgage guide: free to download - MSE
Overpayments Calculator Would paying more on mortgage SAVE you cash? Free First Time Buyers' Mortgage Booklet The Remortgage Guide Free PDF guide to remortgaging;
Remortgage Guide Discussion - MoneySavingExpert.com
Remortgage Guide Discussion Mortgages & Endowments Martin Lewis, Money Saving Expert. Please note, answers don't constitute financial advice,
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advice and information on mortgages and remortgages with Money Expert. Energy Saving Guide; to make the process of a new mortgage or remortgage
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Remortgage Guide Discussion 24th Jan 05 at 12:31 PM a mortgage is probably the biggest debt anyone will have during their lifetime and if you can save money,
For a free no-obligation review, simply call us on ...
MoneySavingExpert.com WHO IS THIS GUIDE FOR? 2 Whos this guide for? Its for anyone who wants to switch their mortgage to a cheaper rate. The UK mortgage market
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free expert mortgage advice! Please complete your details to COMPARE EVERY UK REMORTGAGE! Would you like to save money on your buildings and contents insurance?
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when to remortgage Remortgaging is a great way to save £1,000s a year. This Money Saving Expert guide tells you why & when you should remortgage, and why you
Remortgage Re Mortgage
remortgage re mortgage This Money Saving Expert guide tells you why & when you should remortgage, and why you shouldnt.Looking to remortgage?
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