A better rate is usually
on the other side of one call.
Remortgage advice across the UK. Switch lender, lock in a new rate, release equity or consolidate — we compare 90+ lenders against staying put with your current one and tell you what the saving really is.
Six reasons clients
come back to us.
These are the conversations that fill our diary every week. If any of them sound familiar, it is worth a 15-minute call.
Fixed rate ending
Avoid rolling onto your lender's standard variable rate. Lock in a new deal up to six months before yours ends.
Lower the rate
Even a 0.3% improvement on a £250,000 loan is roughly £750 per year. We compare a wide range of lenders, not just one.
Release equity
Borrow back against equity for home improvements, a buy-to-let deposit, helping family, or restructuring other debt.
Change the term
Stretching the term lowers the monthly payment; shortening it saves interest. We model both for you in pounds and pence.
Move product type
Fix, tracker, offset, interest-only, part-and-part — we explain the trade-offs against your actual plans, not generic advice.
Change of circumstances
New job, growing family, separating partners, a self-employed year that did not look pretty on paper — we know which lenders fit which stories.
Six months before
your fix ends.
Lenders let you secure a new rate well in advance. The earlier we look, the more options you have — including switching to a better deal if rates drop before you complete.
- 6 months out. Initial review. Lock in a new rate; we monitor the market and switch if a better one appears.
- 3 months out. Confirm the lender, prepare documents, run the affordability check. Standard window.
- 1 month out. Tight. Product transfer with your current lender may be the only realistic option.
- Already on SVR.Move now. Every month on a lender's standard variable rate typically costs more than the entire arrangement fee of a new deal.
From first call
to new rate.
A remortgage is typically faster than a purchase. With a clean case we can have a formal offer in three to four weeks.
Review
We pull your current rate, ERCs, balance, term and revisit your goals.
Compare
A scan across a wide range of lenders plus your existing lender's product transfer offer.
Recommend
We present the shortlist with reasoning, pounds-and-pence comparison and any trade-offs.
Apply
We submit, chase the lender, handle valuation and underwriting queries.
Complete
New rate begins the day your old one ends — no SVR gap, no surprise payments.
Other ways we can help.
Many remortgage conversations end up touching one of these — it is normal to pull on more than one thread at a time.
- Buy-to-let → Using released equity to fund a deposit on an investment property, or remortgaging an existing BTL.
- First-time buyers → For family members or partners stepping onto the ladder for the first time.
Common questions,
clear answers.
Can't see your question below? Drop us a line — most enquiries are answered the same working day.
When should I start looking at my remortgage?
Six months before your current fixed rate ends is the sweet spot. Most lenders let you lock in a new rate up to six months ahead — if rates rise, you keep the deal you secured; if they fall, you can switch to a better one before completion. Leaving it until the last month often means you fall onto your lender's standard variable rate, which is usually 3–4% higher than market rates.
Will I have to pay early repayment charges if I switch?
Only if you remortgage before your current deal ends. Early repayment charges are typically 1–5% of the outstanding balance and taper down each year. We will check your current paperwork and only recommend switching early if the saving genuinely outweighs the charge.
Can I release equity from my home when I remortgage?
Yes — if your property has gone up in value or you have paid the mortgage down, you can usually borrow back against the new equity. Lenders need a clear reason for the extra borrowing (home improvements, paying off other debt, deposit for another property, supporting a family member) and will assess affordability on the new total loan. This is different from lifetime mortgages / equity release, which we can also discuss if relevant.
Is a product transfer with my existing lender easier?
It is quicker, but it is rarely the best deal. A product transfer skips re-underwriting — handy if your circumstances have changed for the worse — but it limits you to one lender's range. We always compare a product transfer against a full market remortgage and tell you in pounds-and-pence what the difference is. If the saving is small, staying put is fine; if it is meaningful, we move.
Should I fix again, go variable, or take a tracker?
There is no single right answer — it depends on how long you plan to stay, your tolerance for monthly-payment changes, your view on rates, and any early repayment charge tolerance. We will walk you through scenarios at different rates so the decision is informed, not a gut feel. Mixed strategies (e.g. part-fix, part-tracker) are also available with several lenders.
I am self-employed / a contractor — is remortgaging harder?
Not with the right lender. Many high-street lenders price self-employed and contractor business well, especially with two years of accounts or 12 months of contracts. We know which lenders treat dividends, retained profit, and day-rate income most favourably, so you are not paying a self-employed premium when you do not need to.
What about consolidating debt into the mortgage?
It can lower monthly outgoings but it usually costs more over the life of the loan — short-term debt becomes long-term debt secured against your home. We will only recommend it where the maths and your overall position genuinely support it, and we will show you the total cost both ways before you decide.
A 15-minute call is all it takes.
Tell us what you're trying to do and we'll be in touch within one working day to arrange a convenient time. No obligation — we agree any fee with you before chargeable work begins.