Read on for some Free impartial Remortgage advice.
Remortgaging: what is involved? Remortgaging is a lot easier than buying a new home because the deeds of the property are already registered in your name.
If you choose to switch to a better deal with your existing mortgage lender, the process is even easier.
And if you do choose to switch to a new lender, only a few stages are involved.

1. The lender will require a valuation to ensure the value of your property is sufficient for them to lend on.
   Property prices can fluctuate over a short space of time so that, even if you're remortgaging a year after purchase, you could still see a change in your home's value.
   
2. You'll be required to make an application to the lender in the same way as when buying a property.
   The application has to be underwritten by the lender, who will require evidence that the loan to date has been maintained.
   They'll then issue you with an offer.
   
3. After that, the solicitor will ensure your previous lender is repaid when the new lender releases the new mortgage funds.
   If you're borrowing additional funds, the solicitor will release these to you on completion.
   

Mortgage lenders are usually keen to help their customers sort out any payment difficulties involved in remortgaging.
Also, the law says they must treat you fairly and take your personal circumstances into full consideration.
They may be able to come to a mutual payment arrangement with you.
If you're struggling to make the payments to your mortgage.
Depending on your payment history and whether your difficulties are likely to be long or short term, your lender might agree to: * reduce your payments for a set period * charge you interest only for a while, if you've got a repayment mortgage (usually you pay capital and interest) * give you a 'payment holiday' * extend your mortgage term to reduce your payments What If you are already in arrears? If you've already fallen behind, your lender will suggest a way to pay off the arrears gradually, alongside your usual payments.
If you cannot meet these extra payments, you may be able to delay the payments for a while or add them to your loan.
Again, it depends on your personal Credit history.
You should always pay what you can, I know it can be boring, but a bad credit history is not something to be taken lightly, so it is in your best interests.
Pay as much as you can manage every month.
Keeping up regular payments (even if they vary) shows that you're committed.
Your lender's more likely to treat you sympathetically and you'll minimise the arrears charges too.
You can find more mortgage payment advice from the National Homelessness Advice Service.
Best of luck in your remortgaging endeavors!