Do not pay more than you have to
When your fixed or tracker rate ends, your lender will move you onto their Standard Variable Rate — which is almost always higher. We find a better deal before that happens.
Think carefully before securing other debts against your property.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why remortgage?
Your deal is ending. We make sure the next one works harder.
Most fixed-rate mortgages last between two and five years. When they end, lenders automatically move you onto their Standard Variable Rate (SVR) — a rate entirely at the lender's discretion, typically significantly higher than what you were paying. Thousands of homeowners pay more than they need to simply because they did not act in time.
We recommend starting the remortgage conversation around six months before your current deal ends. That gives enough time to search the market properly, get an application in, and have the new mortgage ready to start the day your current one expires.
Remortgaging can also be the right time to borrow additional funds — for home improvements, debt consolidation, or other purposes — or to adjust your mortgage term.
Reasons people remortgage
- Current fixed rate is ending — avoid the SVR
- Property value has increased — access better LTV bands
- Borrow additional funds for home improvements
- Consolidate other debts into one payment
- Switch from interest-only to repayment
- Add or remove a partner from the mortgage
- Adjust the remaining mortgage term
- Move to a more flexible product
Why choose us
We do the searching — you save the money
Right timing, every time
We monitor your deal end date and contact you at the right moment — early enough to act without paying early repayment charges, late enough to lock in current market rates.
Comprehensive lender panel
Your existing lender's retention offer is just one option. We compare it against a comprehensive range of lenders to make sure you are getting genuinely competitive terms.
More than just the rate
We look at arrangement fees, cashback, free valuations, and legal fees — not just the headline rate — to give you an accurate total cost comparison.
Our process
How your remortgage works
No-obligation review
Tell us when your current deal ends and we review your existing mortgage, your property value, and what you want from your next product.
Market search
We search across a comprehensive range of lenders, compare total costs (not just rates), and present you with a clear recommendation — including whether staying with your current lender is the right call.
Application & switchover
We handle the full application and manage the switchover so your new deal starts seamlessly when the old one ends — no gaps, no SVR.
Common questions
Remortgage FAQs
The most common questions we get from homeowners looking to switch.
We recommend starting around 4–6 months before your current deal ends. Most mortgage offers are valid for 3–6 months, so you can often lock in a rate now and have it ready to start the moment your current deal expires — without paying any early repayment charges.
Early repayment charges (ERCs) typically apply during the fixed or discounted rate period — not after it ends. If you remortgage before your deal expires, you may face a charge — usually a percentage of the outstanding loan. We always calculate whether saving the ERC by waiting outweighs the benefit of switching sooner.
Yes, provided you have sufficient equity in your property and meet the lender's affordability criteria. Additional borrowing at remortgage is commonly used for home improvements, extensions, or debt consolidation. We ensure the total borrowing remains suitable for your circumstances.
Sometimes. A product transfer with your existing lender is quicker and involves less paperwork than a full remortgage — but the rate may not be the most competitive available. We compare your lender's retention offer against the open market and give you an honest assessment of which is better value overall.
Your deal ending soon?
Get ahead of it. A no-obligation review takes 20 minutes and could save you hundreds a month.
Initial consultations are completely free of charge. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding but will range from £150 to £500 and this will be discussed and agreed with you at the earliest opportunity.