Early Repayment Charges
Leaving your current deal early might involve fees. We calculate whether the savings from a new deal outweigh any charges you'd pay.
Remortgages
When your current mortgage deal ends, you'll probably face higher monthly payments unless you find a new deal. We help you understand your options and find a remortgage that works for your family's budget and circumstances.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your property. You may pay more interest over the entire term.
This information is for guidance only and does not constitute financial advice.
Understanding your options
Most people remortgage when their current deal ends to avoid moving onto their lender’s higher standard variable rate. Others remortgage to release equity for home improvements or debt consolidation. We take time to understand what you want to achieve and help you find the right approach for your situation.
Why people choose to remortgage:
- Current mortgage deal is ending and they want to avoid higher rates
- Found a better deal with lower interest rates or fees
- Want to borrow more money for home improvements or other needs
- Looking to consolidate other debts into their mortgage
- Circumstances have changed and they need more flexibility
- House value has increased, giving access to better rates
Most fixed and tracker rate deals last 2–5 years. When they end, you’ll automatically move to your lender’s standard variable rate, which is usually much higher than current remortgage deals available.
Interest rates change constantly. Even if your deal hasn’t ended, you might find a significantly better rate elsewhere that makes it worth paying any early repayment charges.
If your home has increased in value, remortgaging can give you access to some of that equity for home improvements, investments, or other financial goals.
Combining other debts into your mortgage can reduce monthly outgoings, though you’ll typically pay more interest over the longer mortgage term.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
What to consider when remortgaging:
Total Cost vs Monthly Payment
A lower monthly payment might cost more over the full term. We help you understand the total cost, not just the monthly amount.
Product Transfers
Your current lender might offer you a new deal without the full remortgage process. We compare these options against the wider market.
Future Plans
If you might move house soon, some mortgages are portable while others aren’t. We consider your future plans when recommending options.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
Trusted by homeowners nationwide
We've helped hundreds of families find better remortgage deals and save money on their monthly payments.
How can we help with your remortgage?
Help us understand your situation.
We'll explain your options clearly and help you make the right choice for your family.