Deal ending? Let's find you a better one.
Switch to a smarter mortgage. Whole-of-market remortgage advice that puts money back in your pocket.
Switch, save, or release equity — on your terms
When your fixed rate ends, your lender will quietly move you onto their standard variable rate — often hundreds of pounds more per month. We'll review your current deal, compare the whole market, and recommend the best move for your situation.
Whether you want to lock in a new rate, release equity for home improvements, or consolidate debts, we'll lay out your options clearly so you can decide with confidence.
When should you start thinking about remortgaging?
We recommend starting to look at your options around 3–6 months before your current deal expires. Many lenders allow you to lock in a new rate up to 6 months in advance, so you can secure a great deal now even if your current rate doesn't end until later in the year.
If you're already on an SVR, there's no better time than now — every month you stay on it is money left on the table.
Your remortgage options
Remortgaging isn't just about switching rate. There are several reasons homeowners come to us:
Switch to a better rate
The most common reason. We compare every lender on the market to find you the lowest rate available for your loan-to-value (LTV) and circumstances.
Release equity
If your home has increased in value, you may be able to remortgage for a higher amount and release cash for home improvements, helping family members onto the property ladder, or other large expenses.
Consolidate debts
Rolling higher-interest debts into your mortgage can reduce your monthly outgoings — though this needs careful consideration as you'd be securing those debts against your home. We'll give you an honest assessment of whether it makes sense for you.
Change your mortgage term
Want to pay off your mortgage faster? Or reduce your monthly payments by extending the term? We'll model out the numbers so you can make an informed decision.
What does remortgaging cost?
Remortgaging costs vary depending on your lender and the deal you're switching to. Common costs include:
Early repayment charge (ERC) — only applies if you switch before your current deal ends
Exit fee — a small admin fee charged by some lenders when you leave
Valuation fee — many remortgage deals include a free valuation
Legal fees — many deals include free legal work for a straightforward remortgage
We'll give you a full cost comparison upfront so there are no surprises.
Why use a broker rather than going directly to a lender?
Going directly to one lender means you only see their products. We compare the whole market — hundreds of mortgage products across dozens of lenders — and find the deal that's genuinely best for you, not just the most convenient option.
We also handle all the admin: paperwork, lender communication, and liaising with your solicitor where needed.
Remortgage — Frequently Asked Questions
Can I remortgage if I'm in negative equity?
1
This is more complex, but not necessarily impossible. If your home is worth less than your outstanding mortgage, your options are more limited. We'll assess your situation and advise you honestly on what's available.
How long does a remortgage take?
2
A straightforward remortgage typically takes 4–8 weeks from application to completion. We'll keep the process moving and keep you updated throughout.
Can I remortgage with bad credit?
3
Yes, though your options may be more limited. Some specialist lenders work with borrowers who have CCJs, missed payments, or other credit issues. We know which lenders are most likely to help.
Will remortgaging affect my credit score?
4
A full mortgage application will result in a hard credit search, which temporarily affects your score. However, locking in a lower rate and managing repayments well typically has a positive long-term impact.
Our other services
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First time buyer
Taking your first step onto the property ladder? We'll guide you from deposit to keys with clear, friendly advice.
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Moving home
Upsizing, downsizing, or relocating? We handle the mortgage so you can focus on the move.
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Other mortgages
Contractor, buy-to-let, adverse credit, or separating? We specialise in mortgages that don't fit the high-street mould.
Ready to take your next step?
Whether you're just starting to think about buying or you're ready to move, we'd love to help. Get in touch for a free, no-obligation initial chat with one of our advisors.