01
Your current deal is ending
Review your options before your lender moves you onto its standard variable rate.
Free advice plus free remortgaging for life*Talk to us
mortgagemattersTalk to an adviser
Remortgage advice for real life
Your mortgage has moved on. Have you?
Whether your fixed deal is ending, you want to renovate or life simply costs more than it used to, we’ll compare staying with your lender against switching — and explain the numbers properly.
Free initial advice Phone or video call No pressure
25+ yearsmatching mortgages to people
1,000sof products from our large lender panel
4,500+Trustpilot reviews
£20bn+in home loans arranged since 2000
Why remortgage?
Your mortgage should fit your life now.
Remortgaging means replacing the mortgage on a property you already own. You might want a new rate, different features, a shorter term or to release some of the equity in your home.
But switching lender is not automatically the answer. Your current lender may offer a competitive product transfer. We compare the two and look beyond the headline rate to fees, charges and the total cost.
02
You want a better deal
Compare the total cost, not just the tempting headline rate.
03
You want to release equity
Explore borrowing for home improvements or another major plan.
04
Life has moved on
Reshape your term, payments or mortgage features around life as it is now.
Start with your life, not a rate
More room in the budget. More certainty. A plan that feels right.
There is usually a reason behind a remortgage. A deal ending. A renovation. A change at work. Or simply wanting your monthly commitments to feel more manageable.
See what the numbers could look likeWhy Remortgage Matters?
Good advice should feel human.
Clear answers, proper choice and one person keeping an eye on the details.
More than one lender
Your current lender is one option. We search thousands of products from a large panel of trusted lenders.
A real person beside you
One adviser gets to know your plans, explains the small print and keeps your application moving.
Free remortgaging for life*
Come back when your next deal ends and we’ll help you review your options again. Terms apply.
Stay or switch — honestly
A product transfer can be the right answer. We compare both routes and look at the overall cost.
Mortgage calculator
What might your monthly payment look like?
Change the numbers to get a quick estimate. Then talk to an adviser about the deals and costs behind it.
A lower monthly payment can still cost more overall if you extend the mortgage term.
How it works
Three simple steps. No mortgage maze.
We do the searching and chasing. You get a clear recommendation and know what happens next.
Step 01
We listen
Tell us about your current mortgage, your plans and what matters to you.
Step 02
We search
We compare your lender with thousands of products from our large panel.
Step 03
You choose
Your adviser explains the costs and trade-offs, then handles the application.
Frequently asked questions
Straight answers to the questions people actually ask.
If your circumstances are different, talk to us and we’ll give you a useful answer.
When should I start looking at remortgage options?
Around six months before your current deal ends is a useful starting point. It gives you time to compare options, apply and secure a deal without rushing. Your adviser will also check any early repayment charge and the right time to complete.
What happens when my fixed mortgage deal ends?
If you do nothing, your lender will usually move you onto its standard variable rate. That rate can be higher and may change. You can consider a new deal with the same lender, called a product transfer, or remortgage to another lender.
What is the difference between a remortgage and a product transfer?
A remortgage replaces your mortgage with one from a different lender. A product transfer moves you to another deal with your existing lender. A transfer can involve less paperwork, but it is still worth comparing the overall cost and features of both routes.
Will I have to pay an early repayment charge?
Possibly, if you leave your current deal during its initial period. The charge should be shown in your mortgage offer or latest statement. We factor it into the comparison rather than looking at the new rate in isolation.
How much does remortgaging cost?
Possible costs include a lender arrangement fee, valuation fee, legal costs and an early repayment charge. Some deals include free valuation or legal work. Your adviser will compare the total cost over the deal period, not just the monthly payment.
How long does a remortgage take?
A straightforward remortgage can often complete in several weeks, but timing varies with the lender, valuation, legal work and your circumstances. Starting early gives you more breathing room.
Can I remortgage to release equity?
Potentially. You might borrow more for home improvements, debt consolidation or another purpose. The lender will assess affordability, the property value and its criteria. Borrowing more may increase both your monthly payment and the total interest you pay.
Can I remortgage if my credit history is not perfect?
It may still be possible, although the choice of lenders may be smaller and rates could be higher. Different lenders treat missed payments, defaults and county court judgments differently. An adviser can help you understand the realistic options.
A proper conversation. No pressure.
Ready to see what your options look like?
Call us or send an email. You’ll speak to a real person who can explain the next step.