By switching to a new mortgage deal, you could reduce your monthly payments, release equity, or secure a better rate. We search the whole market to find you the best remortgage.
Switch deals to reduce your monthly outgoings
Access the value built up in your property
We search the entire market for the best rates
Free consultation with no pressure to proceed
When your fixed or discounted mortgage deal comes to an end, you're typically moved onto your lender's standard variable rate — which is almost always more expensive.
Remortgaging lets you switch to a new deal, either with your existing lender or a different one, to secure a better rate and potentially save thousands over the term.
You can also remortgage to release equity from your property — accessing the value that's built up over time to fund home improvements, consolidate debts, or for any other purpose.
We recommend reviewing your mortgage 3–6 months before your current deal ends. Our advisors will search the whole market to find you the best available option.
From initial review to new deal completion — we handle everything for a seamless switch.
We arrange an appointment at a time that suits — face-to-face, video call, or phone — to understand your circumstances and needs.
We search our panel of 100+ lenders for the right product. We're not tied to any lender, giving you access to the best deals.
We present the best option, explaining all features and benefits — no jargon, no pressure.
From application to completion, our team handles everything and keeps you updated throughout.
Understanding these will help you decide if remortgaging is right for you and when to do it.
Check if your current deal has early repayment charges (ERCs). Leaving before the term ends could cost 1–5% of your balance — but savings from a better rate often outweigh the fee.
The more equity you have in your property, the better the rates available to you. If your home has increased in value since you bought it, you may now qualify for a lower loan-to-value band.
As a first-time buyer, you pay no stamp duty on properties up to £300,000 and a reduced rate on properties up to £500,000 — saving you thousands.
Choosing between fixed and variable depends on your appetite for risk. Fixed gives payment certainty; variable rates can be cheaper but may rise. We'll help you weigh the options.
If your property has increased in value, you can remortgage for more than your current balance and access the difference as cash — ideal for renovations, investments, or debt consolidation.
Remortgaging may involve arrangement fees, valuation fees, and legal costs — though many lenders offer free valuations and legal work as incentives. We'll factor everything into our recommendation.
Answers to the questions we hear most about remortgaging.
A remortgage is when you switch your existing mortgage to a new deal — either with the same lender or a different one. It's typically done when your current fixed or discounted rate ends, to avoid the higher standard variable rate.
Common reasons include: securing a lower interest rate, reducing monthly payments, releasing equity from your property, switching from a variable to a fixed rate for payment certainty, or consolidating debts into your mortgage.
The best time is 3–6 months before your current deal expires. This avoids falling onto the standard variable rate. However, it can also make sense to remortgage mid-term if rates have dropped significantly — even factoring in early repayment charges.
Most remortgages require a property valuation, but many lenders offer this for free as part of their remortgage package. Some may use a desktop valuation rather than a physical inspection, speeding up the process.
Yes, though your options may be more limited. If your credit has worsened since your original mortgage, you might still find a better deal than the standard variable rate. We have access to specialist lenders who consider a range of credit histories.
A remortgage typically takes 4–8 weeks from application to completion — faster than a purchase mortgage since there's no property chain involved. Starting early gives plenty of time for a smooth transition.
Book a free, no-obligation review of your current mortgage. We'll search the whole market and show you exactly how much you could save.
