ServicesRemortgage
Remortgage
When your fix is ending, you need to release equity, or your circumstances have changed since you last took out the loan. We compare across a comprehensive panel of High Street and specialist lenders and run the numbers on a product transfer with your existing lender too – sometimes that's the right answer, sometimes it isn't. Either way, you'll see the maths.
Get in touch six months before your deal ends
The single most useful thing you can do is diary your end-of-deal date the day your fix starts – and call us six months before it lands.
Most mortgage offers are valid for up to six months from issue. That means we can secure a new rate now, hold it open, and have everything ready to switch the day your current deal expires. If rates fall in the meantime, we can often move you onto the lower one before completion. If rates rise, you're protected by the rate you already locked in. It's the closest thing the mortgage market offers to a free option.
Leave it too late and the picture changes. If your fix ends before a new deal is in place, your lender automatically rolls you onto their Standard Variable Rate – often higher than the best available fixes. Even a short period on SVR can cost more than acting a little earlier.
Six months also gives us time to do the job properly: compare a comprehensive panel of High Street and specialist lenders, weigh a product transfer against a full switch, sort any paperwork you'd otherwise be scrambling for, and coordinate the legal work so it lines up with your end date – not three weeks after.
Top tips for being remortgage-ready
A bit of prep makes the whole thing smoother and often gets you a better outcome.
Know your end date. It sounds obvious, but plenty of people don't. Check your most recent mortgage statement or annual review – the date your fixed or discounted period ends will be on there.
Keep your paperwork tidy. Lenders typically want recent income evidence, bank statements, and proof of ID and address. If you're self-employed, expect accounts or tax documents – the exact list depends on the lender. Having clean PDFs ready saves time when the application starts.
Watch your credit in the run-up. New credit cards, missed direct debits, big balance changes on existing cards, or applying for car finance in the months before a remortgage can all affect what's available to you. If you can avoid taking on new debt in the six months before your switch, do.
Know roughly what your property is worth. Your loan-to-value bracket directly affects the rates you'll be offered – and the bands matter. Dropping from 81% LTV to 79% LTV can unlock noticeably better pricing. A quick look at recent sold prices on your street is enough at this stage; the lender will do the formal valuation later.
Think about whether anything has changed. New job, a baby, partner moving in, income shifted, plans to extend, debts you'd like to consolidate, kids heading to university – any of these can change what makes sense at remortgage. Worth flagging early so we can factor them in. If you are considering securing other debts against your home: think carefully before securing any other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage.
Don't assume your current lender is best – and don't assume they're worst. A product transfer (staying put, new rate) is sometimes cheaper and quicker than a full remortgage once fees and legal costs are factored in. Sometimes it isn't. We run both numbers as a matter of course.
When a remortgage might not be the right move
Switching isn't always the answer. If you're mid-fix and considering breaking it early, the early repayment charge (a fee for leaving the deal early) will often outweigh any monthly saving – though not always, and the maths is worth doing if rates have moved a lot. A lower monthly payment does not always mean a cheaper mortgage overall once fees, early repayment charges and the total amount payable are included. If your income or credit has weakened since the original mortgage, a product transfer with your existing lender may be more achievable than a full switch. And if you're planning to move within the next year or so, porting your current deal to the new property may make more sense than remortgaging twice.
We'll tell you which of these applies to you, in plain English, before you commit to anything.
How we help
We'll start by getting your current deal details, the end date, and a sense of what you want from the next one – same payment, lower payment, shorter term, extra borrowing, or just certainty. From there we look across a comprehensive panel of High Street and specialist lenders and your existing lender, present the realistic options, and lock in whatever you decide.
Through to completion we coordinate with the solicitor (where one is needed – many remortgages use a free legal service through the lender) so everything completes the day your old deal ends. After that, we diarise your next end date and check in well before it.
When you are ready, the fact-find is the quickest way to tell us about your situation – we will come back with sensible next steps and no obligation.