How Long Will it Take to Get my Remortgage Offer?

How long a remortgage deal takes depends on both the lender and on the details of you and your property.

In most cases the whole remortgage process will be carried out well within a month, and in some cases even within the space of a few days. Obviously it’s difficult to know whether there will be any unexpected complications in your case, but this is unusual.


Before a remortgage can go ahead, a number of processes need to be carried out. Depending on the remortgage, your potential new lender may want to assess your property, and carry out a valuation on it. They often need to do this before they can commit to any particular deal, as the value of the property will determine what the Loan To Value ratio is, and consequently what terms and rates the lender is willing to offer you.

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Whenever you consider remortgaging, you should be sure to take the time to compare the available offers on the market. Find out about the different types of remortgage and work out which suits you, bearing in mind your own reasons for thinking about remortgaging, whether to get a better deal or to obtain funds.

Use a remortgage calculator to get a rough idea what the impact will be on your monthly bills, how much interest you have to pay, and how long it’ll take to pay off. Compare the advantages and disadvantages of the different remortgages available thoroughly. Taking the time to do this is a worthy investment in getting the right deal, and jumping into one too quickly is something you may well live to regret.


Many lenders, particularly online, will give you a quote for a remortgage. However bear in mind that in most cases this is only an estimate, and is not in any way guaranteed. The lender will have to carry out checks, for example valuations on your property, before they can go ahead and offer you a remortgage deal.


The different lenders have different processes when it comes to remortgages. Some of the lenders operating over the Internet will promise to turn your remortgage around within extremely short periods of time. This is one of the main selling points for these companies and many of them do indeed make things happen quickly. However, make sure you only remortgage with reputable lenders, finding out whatever you can about them before agreeing to anything.

If you remortgage with the same lender that you have your current mortgage with, rather than going with a new one, the process may play out a little faster also, as there are fewer processes that need going through.

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