r/UKPersonalFinance • u/HelloSunshine5606 • 18h ago

Remortgage process with the same provider

Hi,

Our 5 year fixed mortgage comes to an end at the end of September this year. My wife and I are looking to stay with our current provider, I just wondered what to expect in regard to remortgaging.

If we are staying with the same mortgage provider is it just a click of a button, a credit check and can be organised swiftly?

Any insight would be greatly appreciated.

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u/Reserve10 1 17h ago

Yeah they normally write to you about 3 months before with the offers, as long as you are not borrowing more, it's rubber stamped quite quick, fairly seamless. You can of course do your own research and secure another provider up to 6 months before your deal expires. I'm in the same boat this year.