Whole-of-Market Comparison
We compare remortgage deals from across the market, including broker-exclusive rates, against your existing lender's product transfer offers.
Remortgage Advice
Remortgage Advice to Cut Your Payments Before Your Deal Ends
When your fixed or tracker rate ends, most lenders move you onto their Standard Variable Rate, which is often much higher. Our remortgage advisers compare the whole market and your current lender's retention deals side by side, so you lock in the best option up to six months before your deal expires.
- FCA-regulated advice
- Whole market + product transfers
- Secure a rate 6 months early
- Free remortgage review
Remortgaging Made Simple
Why Review Your Mortgage Before Your Deal Ends
A remortgage means moving your existing mortgage to a new deal, either with a new lender or with your current one through a product transfer. Done at the right time, it can reduce your monthly payments, shorten your mortgage term, release money for home improvements or let you switch to a more flexible product.
Leave it too late and you could spend months on your lender's Standard Variable Rate (SVR). On a typical mortgage, the difference between an SVR and a competitive fixed rate can run to hundreds of pounds a month.
We start looking up to six months before your current deal ends. If rates fall before you complete, we can often switch you to a cheaper deal. If they rise, your rate is already secured. Either way, you are protected from payment shock.
How We Help
A Remortgage Service Built Around Your Savings
We compare every realistic option, including staying with your current lender, and only recommend a switch when it genuinely leaves you better off.
Early Rate Reservation
We secure a new rate months before your current deal ends, then keep watching the market in case a better deal appears before completion.
True Cost Calculations
We factor in arrangement fees, valuation and legal costs, cashback and early repayment charges, so you see the real cost over the deal period, not just the headline rate.
Equity Release for Improvements
Need money for an extension, new kitchen or loft conversion? We find lenders who will let you borrow more at a competitive rate.
Debt Consolidation Advice
We can explain whether consolidating unsecured debts into your mortgage makes sense, including the risks of paying more interest over a longer term.
Hassle-Free Switching
Many remortgage deals include free valuations and free legal work. We manage the process from application to completion with no gap in your mortgage.
Your Remortgage Options
Product Transfer vs Remortgage: Which Is Right for You?
When your deal ends you have two main choices. Neither is automatically better, which is why we compare both for every client.
| Product transfer | Remortgage to a new lender | |
|---|---|---|
| What it is | A new deal with your current lender | Moving your mortgage to a different lender |
| Affordability checks | Usually minimal, if borrowing stays the same | Full income and credit checks |
| Valuation and legal work | Normally not needed | Required, often free with the deal |
| Speed | Often a few days | Typically four to eight weeks |
| Choice of rates | Limited to one lender's range | The whole market |
| Borrowing more | Possible, subject to lender approval | Possible, with wider lender choice |
Remortgaging to release equity
If your home has gone up in value or you have paid down your mortgage, you may have built up equity. Remortgaging to release equity can fund home improvements, help a family member onto the property ladder or pay for a major expense. Your loan-to-value will rise, which can affect the rate you get, so we model a few borrowing levels for you.
Remortgaging to consolidate debt
Moving credit cards, loans or car finance into your mortgage can lower your monthly outgoings, but spreading short-term debt over a longer term can mean you pay more interest overall. The debt also becomes secured on your home. We will explain the pros and cons clearly so you can make an informed decision.
Remortgaging to change your mortgage type
Your next deal is a chance to rethink your mortgage. You might want to switch from interest-only to repayment, shorten your term to become mortgage-free sooner, choose an offset mortgage to make your savings work harder, or remove or add someone after a change in your relationship.
Early repayment charges
Most fixed and tracker deals carry early repayment charges (ERCs), usually a percentage of the balance, if you leave before the deal ends. We check your ERC position first. In most cases the best approach is to secure a new rate in advance and complete the day your current deal ends.
Eligibility
Who Should Review Their Mortgage
A remortgage review is worthwhile for almost every homeowner, but it is especially important if you:
- Have a fixed, tracker or discount deal ending in the next six months
- Are already paying your lender's Standard Variable Rate
- Want to borrow more for home improvements or a large purchase
- Are considering consolidating unsecured debts
- Have had a change in income, employment or relationship status
- Have seen your property value rise, putting you in a lower loan-to-value band
Already on your lender's SVR? There is usually no early repayment charge on a Standard Variable Rate, so you could switch straight away. Talk to us today.
How It Works
How Our Remortgage Service Works
- Remortgage reviewWe look at your current deal, end date, balance, property value and goals.
- Market comparisonWe compare new-lender remortgages with your lender's product transfer options.
- Secure your rateWe reserve the best deal up to six months ahead and handle the application.
- Valuation and legal workWe coordinate the valuation and conveyancing, often free with your new deal.
- Seamless completionYour new mortgage starts as your old deal ends, with no time spent on the SVR.
Is Your Mortgage Deal Ending Soon?
Book a free remortgage review. We will tell you how much you could save and whether staying or switching is the better option.
FAQs
Remortgaging FAQs
The questions homeowners ask us most before their deal ends.
Start four to six months before your current deal ends. Most lenders let you secure a remortgage rate up to six months in advance, and many product transfer offers can be reserved three to six months ahead. Starting early gives you time to compare options and avoid ending up on your lender's Standard Variable Rate.
A product transfer is a new deal with your existing lender, usually with minimal checks and no valuation or legal work. A remortgage moves your mortgage to a new lender and involves full affordability checks, a valuation and conveyancing. A new lender may offer a better rate, while a product transfer is often quicker and simpler. We compare both.
Yes. If your property has increased in value or your balance has fallen, you may be able to borrow more when you remortgage. Lenders will assess affordability on the new loan amount and ask what the money is for. Common reasons include home improvements, helping family and consolidating debt.
If you leave a fixed or tracker deal before it ends, you will usually pay an early repayment charge, often between 1% and 5% of the balance. If you are already on your lender's SVR, there is normally no ERC. We always check this before recommending a switch.
A remortgage to a new lender typically takes four to eight weeks from application to completion, depending on the lender, valuation and legal work. A product transfer with your existing lender can sometimes complete in a matter of days.
A remortgage application involves a hard credit search, which is recorded on your file. We help minimise unnecessary searches by recommending lenders whose criteria you are likely to meet. A product transfer often involves no credit check at all.
Often, yes. If your credit has worsened since you took out your mortgage, a product transfer with your current lender may still be available without a fresh credit check. Specialist lenders also consider applicants with missed payments, defaults or CCJs.
Explore More
Other Ways We Can Help
Your home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your home. Consolidating debt may increase the total amount you repay and the length of time you repay it over.
A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration. Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.