[gambiting]

Interesting. Here in UK there are usually literally no costs to remortgaging, we've remortgaged couple years ago and only cost was paying £500 for a solicitor to look throught he paperwork(which we convinced the bank to pay for in the end, so it cost us nothing overall).

[psunavy03]

A refi over here is treated cost-wise exactly like taking out a new mortgage, which you then use to pay off the first mortgage.

[gambiting]

Same here. There are no fees(usually) for taking a new mortgage either. A bank might charge you something for making the transfer, but it's like £50, completely insignificant.