Remortgage with confidence before your deal ends
Avoid drifting onto your lender's standard variable rate. We review your options early and handle the switch for you.
Make sure your mortgage still works for you
Most fixed and tracker deals end after a few years. When they do, your lender will usually move you onto its standard variable rate.
We can start reviewing your options well before your deal ends. We compare staying with your existing lender against moving to a new one, and explain any early repayment charges or fees involved, so you can make an informed decision.
A remortgage is also a good time to check whether your mortgage still suits your plans, whether that is raising money for home improvements, changing your term or adding certainty to your monthly payments.
Common reasons to remortgage
Whatever your reason, we will look at the whole picture before recommending anything.
Your deal is ending
Avoid moving onto your lender's standard variable rate by reviewing your options in good time.
Home improvements
Raise funds for an extension, a new kitchen or other improvements to your home.
Consolidating debts
Bring debts together into your mortgage. Think carefully, as this may increase the total you repay.
Changing your term
Shorten your term to be mortgage free sooner, or lengthen it to reduce your monthly payments.
Changes in who owns the home
Add someone to the mortgage, or take someone off it after a change in circumstances.
More certainty
Move to a fixed rate so you know exactly what your monthly payments will be.
What happens next
Talk to us early
A few months before your deal ends is ideal. Many lenders let you secure a new rate in advance.
We compare your options
Staying with your current lender versus moving to a new one, including fees and any early repayment charges.
We handle the paperwork
We manage the application and keep in touch with the lender and solicitor until the switch completes.
We are there next time
We help you review your mortgage again when your new deal comes to an end.
Run the numbers first
Estimate repayments, borrowing, Land Transaction Tax and more with our free calculators.
Common questions
Cannot see your question? Ask us, there is no obligation.
It is worth talking to us a few months before your current deal ends. Many lenders let you secure a new deal in advance, which can help you avoid moving onto the standard variable rate.
If you leave your current deal before it ends you may have to pay an early repayment charge. We will check your mortgage terms and include any charges when we compare your options.
Often, yes, subject to the lender's affordability checks and the value of your home. Think carefully before securing other debts against your home.
Sometimes staying with your current lender is the right choice. We compare it with moving to a new lender so you can decide with all the facts.