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Remortgage
Coming to the end of your deal? We'll review your options and help you switch smoothly.
Your perfect remortgage starts here
Whether you’re:
- Looking to switch to a better rate
- About to reach the end of your current mortgage deal
- Exploring changes to your terms
- Needing to consolidate debts
- Considering borrowing more for home improvements, we’ve got you covered.
Our helpful advisors will discuss the most suitable option for you.
With expert advice, we can help you lock in the right deal while it’s available. Pre-arranging a new rate to start as soon as your current deal ends can be a wise idea. As you’re not tied to your new rate until your existing deal ends, you’ll be able to switch if you see a better rate in the meantime.
However, please note switching lenders may incur additional cost and you may have to pay an early repayment charge to your existing lender if you remortgage.
You can compare the latest mortgage rates here and find helpful remortgage tips in our FAQs.
Not sure if remortgaging is right for you? Use our mortgage calculators to see potential savings, or set up a free remortgage reminder so you never miss your renewal date.
Why Remortgage?
Your Fixed Rate is Ending
Avoid reverting to your lender’s Standard Variable Rate — often significantly higher
Find a Better Deal
Interest rates change regularly. We’ll compare the options to find you better value
Release Equity
Borrow against your property’s increased value for home improvements or other needs
Consolidate Debts
Combine expensive credit into one manageable monthly payment (subject to advice)
How We Help
Check your current mortgage deal and any early repayment charges
Review your property value and equity position
Search available options to find the suitable competitive rates
Handle the application and paperwork
Coordinate with your current and new lenders
Need Help with Repayments?
Remortgage FAQs
What is a remortgage?
A remortgage is when you switch your existing mortgage to a new deal, either with your current lender or a new one, without moving home.
When should I consider remortgaging?
Many borrowers review their mortgage around six months before their current deal ends to avoid reverting to their lender’s standard variable rate.
Can remortgaging reduce my monthly payments?
Remortgaging to a lower interest rate may reduce monthly payments, depending on the new rate, remaining term, and any associated fees.
Can I remortgage to release equity from my property?
Yes. Some borrowers remortgage to release equity for purposes such as home improvements or other planned expenditure, subject to lender approval and affordability.
Are there costs involved in remortgaging?
Costs can include arrangement fees, valuation fees, and legal costs. Some lenders offer remortgage products with incentives that may reduce upfront costs.
Is remortgaging always the right option?
Not always. Early repayment charges or higher fees can make remortgaging unsuitable in some cases. Advice should consider both short-term and long-term costs.
Let's Find You a Better Deal
Get expert remortgage advice — no obligation