Firstly, review the details of your current mortgage. Make sure you note the type of mortgage and whether your lenders will charge you a redemption fee.
Next, search around for mortgage deals. The best ways are on the Internet and the money pages in the newspapers - usually published on Wednesdays, Saturdays and Sundays. They often have useful tables listing details of different mortgages. Alternatively you can try a mortgage broker.
Make sure you work out how much it will cost you to remortgage, taking into account redemption penalties, arrangement fees, valuation fees and legal fees.
If you have poor credit or debt history be open with your broker and give them full details of your credit history. There are some brokers and lenders who specialise in mortgages for people with a poor credit history.
Debt Consolidation Explained contains general information only. We strongly advise you to seek qualified professional advice before taking any action.