Switching your deal, the proper way.
A remortgage is when you move your existing mortgage onto a new deal, either with your current lender (a product transfer) or with a new lender. Most people remortgage when their fixed rate is ending, to avoid dropping onto the standard variable rate, which is usually significantly higher.
We review your current deal, search the whole market, and recommend the best option for your situation. Whether that is staying put or moving lender, we explain the reasoning and the numbers behind every recommendation.
Why a remortgage is worth your time.
Avoid the SVR
Standard variable rates can be 2 to 3% higher than fixed rates. That is real money every month.
Product Transfer vs Switch
Staying is sometimes the right answer. Moving is sometimes the better one. We compare both, properly.
Release Equity
Remortgaging is one of the most cost-effective ways to access funds tied up in your property.
No Upfront Fees
We only charge on completion. The rate review is free.
Everything we do for you.
Rate comparison
We compare hundreds of deals across 90+ lenders to find the right rate for your case.
Product transfer review
We compare your current lender's retention deal against the open market and recommend the stronger option.
Equity release options
If you are raising capital for home improvements, debt consolidation, or other purposes, we structure the case properly.
Application management
We handle the paperwork and lender liaison through to completion.
Protection review
We check your existing cover still matches your new mortgage balance, term, and family situation.
Ongoing support
We contact you ahead of your next deal expiry. You will never get caught out by the SVR.
When it makes sense to act.
Fixed rate ending
Start looking 3 to 6 months before your fixed rate expires. This gives time to find the right deal and complete the switch before you move onto the SVR.
Rates have dropped
If market rates have fallen since you took out your mortgage, it can be worth switching even with an early repayment charge. We will work out whether the maths supports it.
Property value increased
If your property has gone up in value, you may now qualify for a lower loan-to-value band and a better rate.
Need to release equity
Remortgaging is often the cheapest way to access funds for home improvements, debt consolidation, or major life expenses.
Four steps to a better deal.
Free rate review
We review your current deal and check what is available in the market right now.
Recommendation
We present the strongest options, product transfer or new lender, with the reasoning explained clearly.
Application
We handle the paperwork and submit your application to the chosen lender.
Completion
Your new deal is in place. We set the reminder for your next renewal.
Remortgage FAQs.
When should I start looking to remortgage?
Start 3 to 6 months before your current deal expires. That window gives us time to find the right deal and complete the switch without you slipping onto the SVR.
Will I have to pay an early repayment charge?
If you are still inside your fixed rate period, an ERC may apply. We calculate whether switching early still saves you money overall, including all the costs.
Can I remortgage to release equity?
Yes. Many clients remortgage to fund home improvements, consolidate debt, or release funds for other purposes. We advise on the best structure and any tax considerations.
Do I need a new solicitor to remortgage?
Not always. A product transfer with the same lender usually does not need one. Switching lenders typically does, but the new lender often covers basic legal costs.
Can I remortgage with bad credit?
Yes, in many cases. We work with specialist lenders who consider remortgage applications from clients with adverse credit. The right option depends on what happened and when.
What if my property value has dropped?
If your loan-to-value has increased, your options may be narrower. We will still search the market properly and tell you the best available deal for your situation.
