The quickest way to get a remortgage quote will be online. Many companies will offer all sorts of tools on their web sites. These tools will help you to assess the rate you are likely to be charged by them, but it is strictly an indication. This rate is likely to change in the actual quote, and this will generally be noted on the web site. The company may even have a range of mortgage products for different situations, or individual circumstances. They may, for instance, have different products for people who are self employed, for professionals, or even for workers from specific industries. Many will have an online assessment tool which will enable you to check whether or not you qualify.
There are many reasons you may be looking to refinance your mortgage. You may want to free up some of the equity in your property to pay college fees for your children, you may want money to launch a business venture, or even to remodel the house and add value to it. Many companies may offer different products for different requirements, or even have different qualification requirements for different circumstances. Researching on the internet is a good place to start.
The internet, although a great research tool, is certainly not the only way to get a remortgage quote, and may not even be the best way for you.
Remember that a quote is only that, a quote – it does not tie you into anything until you sign the agreement, so it does no harm to get quotes from more than one company. If you are in the United Kingdom – you may find a lot of great remortgage quotes UK.
Speak to people you know and trust, like your best friends and closest family, and find out if they are happy with the company they are using and they may be able to give you good financial planning ideas. They may be aware of special offers currently on offer which you have not heard about, or may even warn you of poor service from a particular company.
Once you have a shortlist of companies you wish to obtain quotes from, it is time to go and get them. Use the online applications if time is of the essence, but remember that it is the people in the company you will be dealing with. You can not explain things to a computer, build a rapport with it, or negotiate with it, so rather go in and apply in person if at all possible.