remortgage calculator
Could you be paying less?
Compare your payment now against an example new fix in under a minute — with no impact on your credit score.
Your estimate will appear here.
Pop in your balance, current rate and years remaining, then hit “See my scenarios”.
Prefer to talk it through first? Book a no-obligation chat →
Your home may be repossessed if you do not keep up repayments on your mortgage.
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how it works
Three simple steps.
Pop in your details
Add your balance, current rate and how long you’ve got left. It takes under a minute and never affects your credit score.
See your example saving
We compare your payment now against an example new fix, so you can see at a glance whether a review is worth your while.
Book a no-obligation chat for your real figure
Want numbers based on today’s live rates and your circumstances? A 20-minute call gets you a tailored plan — and we’ll handle the legwork.
Book a no-obligation chatdon’t sleepwalk onto a higher rate
Timing is everything with a remortgage.
Did you know you can line up a new deal up to six months before your current one ends? Here’s why it pays to be early.
The follow-on rate trap
When your fixed deal ends, you usually roll onto your lender’s follow-on (or standard variable) rate — which is often a good deal higher than the rate you were on.
- That can mean a noticeable jump in your monthly payment, often without much warning.
- Reviewing before your deal ends means you can step straight onto a new deal rather than drifting onto the higher rate.
Why six months early helps
Most lenders will hold a new rate for you for up to six months. Lining one up early gives you options without committing you to anything.
If rates fall before you complete, you can usually switch to the better deal; if they rise, you’re protected. Either way, a quick review now means no nasty surprises later — and we search over 100 lenders and thousands of deals to find the right fit.
Typical UK follow-on (SVR) rate: 6.6%; typical new fixed rate: 4.45% — market averages, Mar 2026, sourced from PropertyData. These are the example rates the calculator above starts from.
Want the full picture first? Read our remortgaging guide or what to do if your mortgage deal ends this year.
why belle maison
A real local adviser, not a faceless bank.
Simple, honest advice
We strive to give you simple, honest advice — explained in plain English, with no jargon, no pressure and no surprises.
Tailored to you
Everyone is different, so every mortgage should be too. Your advice is built around your situation, never a script.
Expertly qualified
Our team of qualified mortgage and protection advisers brings years of real-world experience to your case.
On your terms
Video call, phone or face-to-face — we work around you, starting with a no-obligation initial consultation.
good to know
Remortgage questions, answered.
How accurate is the remortgage calculator?
It’s a quick illustration, not a quote. It compares your current payment against an example new fixed rate using current market-average rates, so you can see whether a review is worth your time. Your real options depend on your circumstances, your property and the lender’s criteria — an adviser will work those out with you using live rates.
When should I start looking at remortgaging?
Most lenders let you line up a new deal up to six months before your current one ends, and the rate is usually held for you. Starting early means you’re ready the moment the window opens, rather than slipping onto a lender’s follow-on rate, which is often a lot higher.
What happens if I do nothing when my deal ends?
You’ll typically move onto your lender’s follow-on or standard variable rate, which tends to be higher than the deal you were on. For a lot of homeowners that means a noticeable jump in their monthly payment — which is exactly why it’s worth reviewing before your deal ends.
Will remortgaging cost me anything?
There can be costs — an early-repayment charge if you leave your current deal early, and sometimes a product fee on the new one. You can add these in the calculator to see roughly how long it would take for a saving to pay them back. We’ll always explain any fees clearly and upfront before you commit to anything.
Why use a broker instead of going to my own lender?
Your existing lender can only offer its own products. We look across over 100 lenders and thousands of deals to find one that genuinely fits you, handle the paperwork and chasing, and explain every option in plain English. Many homeowners find a real adviser far less stressful than going it alone.
your move
See your saving — or talk it through.
Get an instant estimate in under a minute, or skip ahead and speak to a friendly adviser for a figure based on today’s live rates.