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Everything You Need to Know About Remortgaging

There are many reasons why you may wish to remortgage. Our guide to remortgaging below includes all the information you need to make an informed decision about whether it is the right choice for you.

Book an appointment now Download our guide to remortgaging

How does remortgaging work?

A 'remortgage' is the term given to the process of switching your existing mortgage on your home to a different lender. In simple terms, the new mortgage is used to pay off the existing mortgage, using the same property as security against the loan.

Why remortgage to another lender?

The most common reason for remortgaging is to take advantage of a better mortgage deal that is available. On our why remortgage? page, we take a look at the main reasons why you may want to remortgage your home, and why you should consider remortgaging to us.

There may be benefits of remortgaging, but it's important that you understand exactly what the remortgage process involves. Take a look at our things to consider when remortgaging guide, as well as our frequently asked questions about remortgaging, to get more information on factors such as the cost of remortgaging, how long the process takes, and how to apply.

Existing customers

If you are an existing Newcastle Building Society customer and your current mortgage deal is coming to an end, or if you have already switched to our Standard Variable Rate, then you may be interested to find out whether you can switch to a better or more suitable mortgage deal with us.

Our switching mortgages page has all the information you need to determine whether switching your existing mortgage with us is the most suitable option for you; it also outline steps to take if you decide you would like to make the change.

If you are considering a remortgage to borrow more money, whether for home improvements or to simply free up money, view our borrowing more on your mortgage page for more information.

Whether you are a new customer or an existing customer, if you'd like to discuss remortgaging with Newcastle Building Society, one of our qualified mortgage advisers will be happy to speak to you. Book an appointment at your local branch.

Thinking about remortgaging?

You can speak to one of our friendly mortgage advisers by calling


8am - 8pm Monday to Friday 9am - 3pm Saturday (Calls to 0345 numbers, cost the same as a call to a standard ‘01’ or ‘02’ landline number, even when calling from a mobile.)