Remortgage
Switch to a better rate, release equity, or restructure your mortgage - with whole-of-market comparison across 130+ lenders including broker-exclusive rates not available direct.
When remortgaging makes financial sense
Most borrowers remortgage when their fixed rate expires and they face the lender's SVR - typically 2-3% above the best available fixed rates. Starting the comparison 3 months before your current deal ends means you lock in a new rate in advance and avoid paying SVR for a single month. Equity release remortgages, debt consolidation, and adverse credit remortgages all require specialist lender knowledge that a whole-of-market broker provides.
Every reason to remortgage, handled
Rate Switch at Expiry
Move from SVR or an expiring fixed rate to a new competitive deal. A product transfer stays with your existing lender but rarely delivers the best available rate. We compare the full market - including broker-exclusive products - to find what a new lender will offer.
Equity Release Remortgage
Remortgage to a higher loan and take the difference as cash - for home improvements, a deposit on another property, or any other purpose. Maximum 85-90% LTV from most specialist lenders. Affordability assessed on the full new loan amount.
Debt Consolidation Remortgage
Consolidate unsecured debt - credit cards, personal loans - into your mortgage to reduce monthly outgoings. We model the full cost including extended term before recommending consolidation. The FCA requires full disclosure of total cost.
Self-Employed and Complex Income
Income structure has changed since your original mortgage? Specialist lenders assess self-employed, director, and contractor income correctly. Complex income is not a barrier to remortgaging - it requires the right lender match.
Adverse Credit Remortgage
Missed payments, defaults, or CCJs since your original mortgage do not necessarily prevent remortgaging. Specialist adverse credit lenders assess the current financial position and the age and severity of credit events individually.
Product Transfer vs Full Remortgage
A product transfer with your existing lender is simpler but rarely the best rate available. The open market - including cashback and free legal incentives - often delivers materially better terms. We compare both before making a recommendation.
How it works
Share your current deal details
Tell us your current rate, outstanding balance, property value, and when your fixed period ends. We identify the gap between your current rate and the best available remortgage deal.
Full market comparison
We search 130+ lenders including broker-exclusive rates, cashback deals, and free legal incentives. We model the true cost comparison including any early repayment charges on your current deal.
Application and valuation
We manage the full remortgage application and coordinate the valuation - often free on standard like-for-like remortgages from the new lender.
Completion on your timeline
The new mortgage starts the day your current deal ends - with no gap on SVR. Typical total timeline: 6 to 8 weeks from application to completion.
Ready to remortgage?
Share your current rate and property details. We compare 130+ lenders and return the best available remortgage deal - same working day.
Frequently asked questions
When should I start the remortgage process?
3 to 6 months before your current fixed rate expires. Starting early means you can lock in a new rate in advance and avoid any period on SVR. Most mortgage offers are valid for 3-6 months, so timing the new offer to start exactly when the current deal ends is achievable.
Is a product transfer with my existing lender the same as remortgaging?
No. A product transfer stays with your existing lender - simpler but the rate is set by your existing lender's renewal range. A full remortgage compares the whole market and frequently finds materially better rates, particularly where your property value or income has improved since the original mortgage.
What does remortgaging cost?
Lender arrangement fees (£0-£2,000 depending on product), legal fees (typically free or £300-£1,000 - often covered by cashback from the new lender), and a valuation (typically free for standard remortgages). Any early repayment charge from your current lender is also a cost - we include this in the true cost comparison before recommending any switch.
Can I remortgage to release equity for home improvements?
Yes. Equity release remortgages advance a higher loan amount and release the difference as cash. The additional borrowing must pass the new lender's affordability assessment. Most specialist lenders advance up to 85-90% LTV for equity release remortgages.
Can I remortgage with a CCJ or missed payments on my record?
Yes - from specialist adverse credit lenders. The rate reflects the credit history, but the option exists. The age and severity of the adverse event is the key factor: a CCJ satisfied more than 3 years ago is treated very differently from a recent default. We identify which specialist lenders are most accommodating for your specific credit position.