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Refinance a mortgage

A ready-made journey for anyone who wants to refinance a mortgage: 7 steps, about 3.9 hours in all, in an order that works — work steps of 30 minutes or less, with real-world sessions kept whole.

Opens in Nextep with a two-minute first step lit. Free, and no account needed to begin.

When it's useful

When you have decided to refinance a mortgage but the first move is fuzzy. Nextep shows one step at a time, keeps the rest in order, and never calls anything overdue — a day that slips simply becomes today.

The steps

1. 1Find your current rate, balance and exit fee30 min
2. 2Check today's rates for your loan-to-value30 min
3. 3Work out the true saving after fees45 min
4. 4Gather income and ID documents30 min
5. 5Apply with the best two options60 min
6. 6Book the valuation20 min
7. 7Complete and confirm the first new payment20 min

Work steps over 30 minutes are split into parts when you start, so they fit somewhere in a day; sessions — a run, an appointment, a call — stay whole.