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Remortgaging with different provider (have moved from Coventry BS to Halifax to Santander over the years) meant a complete new application (done through our IFA) along with submitting employment/salary details, etc.
Remortgaging with same provider (Santander). All done on the phone in 20 minutes and most of that was them asking time and time again whether my wife was in agreement to this as they were only speaking to me (joint mortgage, etc). They had offered a new fixed deal (5 years) at a much better rate (2.89% down from 5.09%) 3 months before the current fixed rate deal was due to end and the fees payable (new mortgage arrangement fees only, no early repayment fees) were less than the interest we'd save in those 3 months so it was an easy choice to make. I kept the same terms for the rest of it (same expected finish date) and declined the option to change it from an interest-only mortgage to a repayment mortgage (prefer the flexibility and we make the capital repayments anyway).
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Greenbank
Interested in this also. Not due to end the fixed term until next year but my salary has gone up considerably (new job with higher basic instead of low basic plus commission) but mrs_com's has gone down (dropped to 3 days a week but potentially supplemented by freelance work). We're probably better off on the whole but it's a weird scenario to try to explain.
@middleofnowhere - did the simple cut-over include a lower rate/better offer or was it a continuation of the same rate?
I assume if our broker finds a better deal elsewhere, they'll need full application instead of just the proof that the repayments have been made in full and on time?