remortgaging
Is your deal ending soon? — let’s make the next step easy.
If your current rate is about to finish, you’re probably wondering what happens next — and whether your payments are about to jump. That’s completely normal, and it’s exactly the moment a good adviser earns their keep. We search over 100 lenders and thousands of deals, explain your options in plain English, and handle the legwork — so you don’t drift onto an expensive rate by accident.
Award-winning
Paula Bingham
Director & Senior Mortgage & Protection Adviser
“Start up to six months early — and stay one step ahead.”
Your home may be repossessed if you do not keep up repayments on your mortgage.
take a breath
What actually happens when a fixed rate ends?
When a fixed deal finishes, most lenders quietly move you onto their standard variable rate — which is usually a lot higher than the deal you were on. Staying there can cost you hundreds of pounds a month without you even noticing.
The Bank of England base rate is currently 3.75%1 — and most lenders’ standard variable rates sit well above it.
Remortgaging simply means switching to a new deal — either with your existing lender or a different one — so you don’t drift onto that expensive rate by accident. You won’t be passed around a call centre; you’ll have one friendly, named adviser who knows your situation and gives you a clear answer to “what should I do now?”
1 Bank of England Bank Rate, 3.75% as at June 2026 — bankofengland.co.uk.
you’re in safe hands
A small, genuinely human firm — where a named adviser actually answers.
We’ve helped homeowners across the UK switch deals at exactly the right moment.
309+
five-star reviews from people who came to us at exactly this crossroads
Award-winning
advice — including a win at the Personal Finance Awards
Named
advisers who pick up the phone and remember your situation
Over 100
lenders searched — including your current one — not just one bank’s shelf
We can’t promise any particular saving — no honest broker can, and rates change daily while the lender’s criteria always have the final say. What we can promise is that we’ll be straight with you, compare the total cost of switching against staying put, and explain every option clearly.
why people remortgage
Everyone’s reasons are different.
These are the ones we hear most often. Not sure which is you? That’s fine — that’s what the conversation is for.
Avoid the standard variable rate
When a fixed or tracker deal ends, doing nothing usually means drifting onto your lender’s SVR — typically one of the most expensive rates around. A timely remortgage helps you side-step that jump.
Lower your monthly payments
If rates or your circumstances have moved in your favour, a new deal could ease the pressure on your budget. We can’t promise a saving — but we’ll always be honest about whether switching is worth it for you.
Get certainty
Many people remortgage onto a new fixed rate simply to know exactly what they’ll pay each month for the next few years.
Release equity
If your home has grown in value, you may be able to borrow against some of that increase — for home improvements, a deposit on another property, or other plans.
Consolidate debt
Some people fold other borrowing into their mortgage to simplify their outgoings. This needs real care — we’ve set out the important caveats further down the page.
Think carefully before securing other debts against your home/property.
Because life has changed
A new job, a growing family, going self-employed, or a change in income can all be good reasons to review your mortgage.
when should you start?
Around six months out.
You can usually lock in a new deal up to six months before your current rate ends — without paying an early repayment charge.
That makes timing the single most useful thing to know about remortgaging, and starting early is one of the simplest ways to protect yourself.
- You’re not rushed into a snap decision as your deal runs out.
- We have time to compare lenders properly and find the right fit for you.
- If a suitable rate is available, it may be possible to secure it now and still switch closer to the time if something better comes along.
- You avoid the risk of slipping onto the SVR while paperwork is being sorted.
Deal finishing in the next few months? Our guide Is your mortgage deal ending in early 2026? walks through why acting now beats waiting.
plenty of time
6
months before your deal ends
Deal ends in the next six months? Now’s a sensible time to talk. Already on the SVR? It’s never too late to review — switching could still make a real difference.
Book a meeting Try the remortgage calculatora proper review
What we look at when we review your mortgage.
We don’t just chase the headline rate. We build a picture of your whole situation so the advice actually fits your life.
Your current deal
The rate, the end date, and any early repayment charges or exit fees that might apply if you switch before it finishes.
What you still owe
How much is left on your mortgage and how the value of your home has changed — which together shape the deals you can access.
Your monthly budget
What you want from the next few years — lower payments, certainty, or the flexibility to overpay when you can.
Your plans
Moving, home improvements, family changes, or releasing equity — the next few years matter as much as today.
Over 100 lenders
We search over 100 lenders and thousands of deals — including your current lender — not just one bank’s products.
The total cost, not just the rate
Sometimes a slightly higher rate with lower fees works out better overall. We’ll always explain any fees upfront before you commit.
You’ll come away knowing what your options are and what we’d recommend — and why.
the journey
Switching, step by step.
It feels like a faff from the outside. From the inside, it’s just a series of manageable steps — and we do the heavy lifting.
- 1
Have a chat
Book a no-obligation meeting. We get to know you, your current deal and what you want from the next few years.
- 2
Review your position
We look at your rate, end date, any early repayment charges, what you owe and how your home’s value has changed.
- 3
Search the market
We compare thousands of deals from over 100 lenders — including your existing one — to find the right fit for you.
- 4
Talk through your options
You’ll see what’s available and what we’d recommend — and why — including the total cost, not just the headline rate.
- 5
Apply for your new deal
We package your application and submit it to the most suitable lender, whether that’s a switch or a product transfer.
- 6
Switch smoothly
We handle the paperwork and chase progress so you move onto your new deal without slipping onto the SVR.
read this carefully
Releasing equity & consolidating debt.
Two of the more popular reasons to remortgage also carry the most to think about — so we want to be straight with you.
Releasing equity
Borrowing against the value that’s built up in your home — for example to fund home improvements or another purchase.
It can be a sensible move, but it usually increases the amount you owe and the interest you pay over time. We’ll talk you through whether it genuinely makes sense for your plans before you commit to anything.
Consolidating debt
Rolling things like loans or credit cards into one monthly mortgage payment can make life simpler and may reduce what you pay each month — but it comes with real trade-offs.
We will never push you towards debt consolidation. We’ll lay out the full picture — the upsides, the downsides, and the total cost over time. Sometimes the right advice is “don’t”, and we’ll say so.
Think carefully before securing other debts against your home/property. Consolidating debt into your mortgage usually means paying it back over a much longer term, so even at a lower interest rate you could end up paying more in total.
common questions
Answered, honestly.
When can I start the remortgage process?
You can usually arrange a new deal up to six months before your current one ends. Starting early gives us time to compare lenders properly and helps you avoid slipping onto your lender’s standard variable rate when your deal finishes. Read our guide: mortgage deal ending this year — what to do now.
Will remortgaging actually save me money?
It might — but we’ll only ever say so honestly. Whether you save depends on your current deal, any early repayment charges, how much you owe, and the rates available at the time, which change regularly. We’ll compare the total cost of switching against staying put and tell you straight whether it’s worth it for you.
Can I remortgage to release equity or consolidate debt?
Often, yes — but both need careful thought. Releasing equity usually increases what you owe overall, and consolidating debt into your mortgage can mean paying more in total over a longer term and securing previously unsecured debt against your home. We’ll talk you through the full picture before you decide anything.
Will I have to pay any fees?
Your first chat is always no-obligation, and any fee is agreed with you before you commit to anything. There can be fees involved in remortgaging — for example arrangement, valuation or legal costs, and sometimes a broker fee. Many remortgage deals include free valuation and legal work, but it varies. We’ll always explain any fees that apply to you upfront.
Do I have to switch lenders to remortgage?
Not necessarily. Sometimes the best option is a new deal with your existing lender — often called a product transfer — which can be quicker and simpler. We look across over 100 lenders, including your current one, and recommend whatever genuinely suits you best.
ready to see where you stand?
Deal ending — or already ended?
Let’s have a friendly, no-pressure chat about your options. It costs nothing to find out — and you might be glad you asked sooner rather than later.