How would one go about remortgaging their debt?

Remortgaging is taking out a new mortgage to replace an existing mortgage with the potential to consolidate debt and reduce payments. The least expensive way to remortgage ones debt is to negotiate with ones current lender for a new mortgage with a lower interest rate, consolidating ones debt at the same time. By extending the length of the mortgage, the monthly payment may be reduced. The alternative is to seek a new mortgage from a different lender and pay off the existing lender. The goals of debt consolidation and reduced monthly payment remain the same.