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Documents Checklist

UK mortgage guide

Remortgage documents checklist: what you need to switch your mortgage

· 5 min read

Remortgaging means switching your existing mortgage to a new deal, with your current lender or a new one. It involves similar checks to a first mortgage, with extra documents about your existing mortgage. Here is what to gather.

When to start

Many people start looking 3 to 6 months before their current deal ends, so they can compare options and avoid moving onto a higher standard variable rate. Check your current mortgage terms, including any early repayment charges.

Documents about your current mortgage

  • Your latest mortgage statement showing the balance, rate and term
  • Details of when your current deal ends and any early repayment charge
  • Details of any second charges or other loans secured on the property

Proof of identity and address

A new lender will ask for photo ID and proof of address. A passport or driving licence, and a recent utility bill, council tax bill or bank statement dated within 3 months, are typical.

Proof of income

  • The last 3 months of payslips and your latest P60 if you are employed
  • SA302s and tax year overviews, and accounts if you are self-employed
  • The last 3 months of bank statements (sometimes 6)

Other things to prepare

  • An estimate of your property’s current value
  • Details of your outgoings and debts
  • The reason for remortgaging, such as a better rate, raising funds or changing the term

Frequently asked questions

How long does a remortgage take?

It varies, but many remortgages complete within a few weeks. Starting early gives you time to compare options and fix any problems.

Do I need a solicitor to remortgage?

A solicitor or conveyancer is usually involved to do the legal work, although some lenders offer free legal packages for remortgages. Check the terms.

Will remortgaging affect my credit score?

A full application normally involves a credit check, which may appear on your file. Many advisers use soft checks to compare deals first.

Sources and further reading

More mortgage guides

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