Remortgage
Switch to a better deal and avoid your existing lender's higher standard variable rate — we aim to make it effortless.
The right time to switch — and start saving
- Your current fixed or tracker deal is coming to an end
- You've been moved onto your lender's Standard Variable Rate (SVR)
- You want to release equity for home improvements or debt consolidation
- Your property value has risen and you want a better LTV band
- You want to overpay, extend your term, or switch to interest-only
- Your circumstances have changed — income, employment, or family situation
Frequently asked questions
We recommend 6 months before your current mortgage deal expires. Some lenders allow you to lock in a rate up to 6 months in advance so you're safe in the knowledge that if rates increase, you're on the cheapest possible rate. If rates go down, we can take advantage of this for you and move you onto the cheaper rate (subject to criteria).
If you're within a fixed period there will likely be an Early Repayment Charge (ERC). We'll calculate whether savings outweigh this before recommending you proceed.
Yes — this is called capital raising. You can release equity for home improvements, debt consolidation, and all other legal purposes.
Depending on the complexity, around 2-3 months but sometimes longer if we need to wait for your current deal to expire first. A product transfer with your existing lender can be quicker — sometimes just a few days.
See how much you could save
Free remortgage review — plain English, no jargon.
Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.