Sure, you can get these mortgage refinance online products at lowww, low APR. But what corners were cut to get you that price? And what hidden fees might there be? Are they only for people with outstandingly good credit?

Improve your credit-rating. Find out what it is at Equifax, Experian and CallCredit. lenders may access them all. Then do the following:

Make sure you are on the electoral register.

Satisfy liens and public judgements, such as in the County Court (CCJs).

Correct errors, including erasing judgements older than seven years. Paid-off debts can be legitimately recorded up to seven years after settlement.

Add information showing stability:
- Current employment, employer's name and address and your job title.
- Previous residence if you've been at your current place under two years.
- Previous employment, if you've had your current job less than two years.
- Current residence, and if you own it.
- Date of birth.

Avoid unnecessary enquiries or shopping around for credit or loans. Multiple accesses by lenders of your credit report can indicate that you need many lines of credit. This looks like you are desperate for money, or trying to commit fraud.

Pay off credit cards. Keep balances low, and paid off on time.

Keep your debt low; below 75% of available credit.

Close unneeded accounts. Close them off slowly, not all at once. Keep only two credit cards, one of which should be your oldest.

Build a good payment history. Pay your bills on time!

Open a savings account at your bank.

NOTES: Your property is at risk if you do not keep up payments on a mortgage refinance online or other loan secured on it. Written quotes available on request. Loans subject to status and ability to repay.

Beware of statements such as "No cost to you". Some mortgage refinance online lenders will add closing costs to your fees rather than require you to provide cash upfront. Make sure you understand all the fees you are paying.

Some people can't grasp the meaning of large sums of money. They take months to buy a fridge, but get a £333,000 mortgage refinance online on a whim. It's a buzz! Reason goes out the door. They may have been in a dead-end job before, and now they're going to realise their dream, by crackey!

Now is the time to get out pen, paper and calculator and do some sums. What's the worst that could happen? Do you have a contingency plan? Do you have health insurance, some money put away for a rainy day, is the children's education secured?

Another way to winnow out the best lender is to contact them via email, and see what they send you back. Call them on the 'phone as well. This, coupled with your impression of their web site, will give a good clue as to whether they're a 'sound', active company, or moribund i.e. on the way out of business. ALWAYS FOLLOW YOUR GUT REACTION. The mind has doubts, the heart has yearnings, but the guts don't lie!

Do your own 'due diligence' by typing the name of the mortgage refinance online lender into a search engine, along with the words "problem" or "scam" or "bad experience". This should show any negative postings about them. If there are a lot, or the allegations look substantial, don't use them.

It's very easy to set up as mortgage refinance online lender on the internet, without any qualifications, or even having an office. This makes it very easy for crooks and incompetents to waste the time of the desperate. A 'substantial site' is one with a postal address, telephone number, named personnel and preferably a member of, or regulated by, the relevant authority.

Try to keep the duration of the loan as short as you can. If the agreed payback term is too long, you will be paying a lot more money in interest, thus the total payment will be higher.

Ask many mortgage refinance online lenders for quotes and compare both the monthly payments (to see if they fit your budget) and the total payment at the end of the loan duration (to get an accurate idea of which deal suits you best).