Quickest Way to Remortgage: Speed Up Your Switch

If you’re looking to remortgage but hate waiting, you’re not alone. The good news is you can shave weeks off the process by following a few clear steps. Below is a no‑fluff roadmap that gets you from idea to new deal as quickly as possible.

First step: Get your numbers ready

Start by checking your credit score. A good score removes a lot of the back‑and‑forth with lenders. If it’s lower than you’d like, fix the biggest issues – pay off any overdue cards and correct obvious errors on your report. While you’re at it, gather your recent payslips, tax returns, and the current mortgage statement. Having these documents in a folder (digital or paper) means you won’t be scrambling later.

Second step: Compare offers fast

Use a mortgage comparison site that pulls in rates from multiple UK lenders in seconds. Filter for “early‑repayment fee free” or “no valuation required” if you want to move quickly. Once you spot a lower rate, note the APR, the total cost over the term, and any fees. Don’t settle for the first low rate – a quick side‑by‑side check can save hundreds.

After you’ve picked a shortlist, call each lender’s specialist line. Tell them you’re ready to move within two weeks and ask for a pre‑approval. Most lenders can give a conditional offer in 24‑48 hours if your paperwork is complete.

Third step: Use a broker or online platform

A mortgage broker can speed things up by handling multiple applications at once. They already have relationships with lenders and can often secure a faster valuation. If you prefer a DIY route, many banks now offer end‑to‑end online applications that let you upload documents, sign electronically, and track progress in real time.

Whichever path you choose, make sure you give a clear deadline to the broker or lender – “I need this closed by [date]”. That pushes them to prioritize your file.

Fourth step: Fast‑track the valuation

Most lenders require a property valuation, but you can speed it up by being flexible with the appraiser’s schedule. Offer to let them in at short notice, and keep the house tidy so the visit goes quickly. Some lenders even accept a desktop valuation based on recent sales data, which can shave a few days off.

Fifth step: Sign and switch

When the offer arrives, read the fine print for any hidden fees. Then sign electronically – it’s instant. Your new lender will arrange the legal paperwork with your solicitor. If you choose a solicitor who already works with the lender, the paperwork can be completed in as little as five days.

Finally, confirm the date the old mortgage is paid off. A smooth handover means you avoid double payments or a lapse in coverage.

By following these five steps – check credit, gather documents, compare fast, use a broker or online tool, and fast‑track the valuation – you can remortgage in under two weeks. It takes a bit of organization, but the interest savings are well worth the effort. Ready to start? Pull out your latest mortgage statement and begin the quick‑remortgage checklist today.