In the bad old days remortgaging was a complicated process. You had to shop around and sort through the miasma of the mortgage lenders’ jargon.

Now however, lenders are “up for it”, desperate to steal customers from their competitors and will offer deals deliberately aimed at doing this.

All you have to do is give your details to a mortgage broker or IFA and see if they can come up with a better deal.

Shop around to make sure you’re getting the best remortgaging deal possible. If it’s going to save you money take your hands out of your pockets, straighten your back and sign the lenders application form – which the broker / IFA will have sent you.

It’s easy to put this off. Who can blame you. Filling in mortgage application forms aren’t the best fun you’ll ever have.

But they’re also fairly manageable and every day you delay in completing it is costing you money

You can start the ball rolling on this or any other independent mortage website by submitting your basic details. These will go to a broker who’ll quickly send you an offer.

The key is to shop around. We recommend you always get three quotes when buying any financial product.