£0
Broker fee. The lender pays us on completion. ← confirm
6 months
Before your rate ends is the time to start. Many lenders let you lock a new rate that far ahead.
Rate drop?
If rates fall between locking and switching, we can usually move you to the lower one.
What we help with
More than swapping one rate for another.
A remortgage is the natural moment to check the whole shape of the loan, not just the percentage.
Product transfer or full remortgage?
Staying with your lender is quick and needs little paperwork. Moving lender takes longer and often costs less. We price both, including the fees, and tell you which wins in your case.
Releasing equity
For an extension, a garden office or helping a child with a deposit. We check the new payment works at today's rates and that borrowing against the house is the sensible way to fund it.
Shortening the term
If the new rate is lower, keeping the payment the same and cutting the term can save years of interest. The remortgage is the easiest moment to do it.
Circumstances that changed
Gone self-employed, dropped to part time, taken on new credit. Your own lender may not ask questions on a product transfer; a new lender will. We steer you to whichever route suits the new picture.
Avoiding the variable-rate gap
Let a fixed rate lapse and the loan lands on the lender's standard variable rate, usually the most expensive number on their books. Starting early makes sure the new deal is ready the day the old one ends.
Six months, no drama
The typical remortgage, started at the right time.
First conversation
Current deal, end date and plans. Free, and mostly a diary exercise at this stage.
Market compared
Your lender's offer against the market. We recommend one and lock it in.
Rate watch
If rates fall before completion, we rebook you onto the lower deal where the lender allows.
Legal work
Most remortgages include free legals or cashback. We keep the solicitor moving.
Seamless handover
Old deal ends, new deal starts, nothing lands on the variable rate.
What to have ready
Ten minutes of digging, at most.
- ✓Your current mortgage statement
- ✓The rate-end date, if you know it
- ✓Photo ID and proof of address
- ✓Last three months' payslips
- ✓Three months' bank statements
- ✓Two years' accounts if self-employed
Related
Your home may be repossessed if you do not keep up repayments on your mortgage.
When does your rate end?
If it's within the next six months, today is the right day to start. The chat is free.