Re-mortgaging is the process of taking out a new mortgage on a property that you already have an existing mortgage on or own. A lot of good mortgage deals may last only a limited amount of time, after which you will go on to your lenders standard variable rate (SVR).
Re-Mortgages
Is it right for you?
Here's what you need to weigh up..
Pros:
You may be able to switch to a better mortgage, saving you money
Remortgaging allows you to switch to a plan more suited to your current situation
Cons:
Some lenders have hefty agency and early repayment fees, so it may not actually save you much money
If you have had some credit issues since taking out your previous mortgage, lenders may not accept you
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