The customer experience of remortgaging

Home ownership is a glorious life event full of wonderful opportunities such as guttering replacement and tracking down mystery smells from the plumbing. Having purchased your dream property you are then free to stamp your own style on your home with as much wooden cladding and soft furnishings as your bank balance will permit. Before you have had much chance to recover from the signing of huge cheques and committing to monstrous levels of debt the end of your original mortgage term comes to an end. This then very quickly results in you staring down the barrel of remortgaging and going through much of the brain aching decisions once more. Hopefully your home has appreciated in value and you have some chance for smug satisfaction in your decision but unfortunately this will have had zero impact on how much you owe. Unless you have been supremely saintly and overpaid religiously the scary big number will still be there and need a mortgage. With the help of many financial folk you can manoeuvre through the remortgage process and secure a better deal than previously ensuring you tick every box in the right way and get paperwork signed, double signed and triple copied all in good time. This complex mine field of financial and legal issues is enough to scare the most pedantic consumer who rarely have to face such matters leaving the path of least resistance often the chosen one. Remortgaging. Epically scary customer experience.