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Linking to this, how long does it take to sort a remortgage at the moment roughly? My fix expires in about a month (dreading it)
bobble-
Depends on the lengths of several pieces of string.
You may find your existing provider offers a vaguely competitive (in the current market) rate with reduced fees because you're staying with them. We just did this (Santander) and it was literally a few clicks on their website and done in under 10 minutes. This avoided having the faff of valuations, income/affordability checks/etc. We just automatically switched the new higher rate once our old fixed rate had finished (*crys in tory inflation crisis*).
I could have probably found a cheaper rate by remortgaging with someone else, but it would have taken way more time and hassle and maybe not even saved me anything (the extra fees/costs eat up the interest savings).
Haven't remortgaged to a different provider for ages, but I seem to remember it being anywhere between 2-6 weeks the last times I've done it.
Greenbank
Can someone please share the forum approved mortgage broker?
It is time.