What we do
- Find a great new mortgage deal for your circumstances
- Talk you through each stage of the process and what you need to do
- Work to make sure you switch on time, to avoid paying the lender’s expensive standard variable rate
- Compare rate switch deals with your current lender with remortgage deals to work out your best option.
Not ready yet? Tell us when your deal ends and we’ll get in touch beforehand.
FAQs
Your existing lender will usually offer you a ‘product switch’ but before you do this it’s worth comparing it against what you could get from other lenders. We can compare these options for you and talk you through the pros and cons of remortgaging.
You should review your mortgage every time your mortgage product expires, ideally 3-4 months before. If rates have dropped significantly then it could be worth reviewing your mortgage earlier.
We recommend speaking to us 6-7 months before the end of your mortgage deal. This allows us the option to secure you a new mortgage deal and review that deal closer to when your current deal ends. This allows us to see if any better options have become available for you.
Often remortgages are offered with little or no fees for arranging the switch, but for a full breakdown on the fees that could apply please see our remortgaging guide.
Using the free legal service can work well but it doesn’t always provide a consistent level of service. Sometimes lenders offer a cash alternative, where cashback is available. This is our preferred option because it allows us to offer you a consistently good service from our preferred solicitor partner.
A remortgage can be arranged and completed in as little as a couple of weeks. But we like to allow a couple of months, so you have plenty of time to gather any paperwork you require.
Yes, but lenders often limit their maximum loan to value and will carefully look at your situation. We’ll advise you carefully on this as it is not always a good idea to add unsecured borrowing to your mortgage.
Yes. Interest on a Help to Buy equity loan starts in year six and goes up every April, so many people remortgage to repay it. See how it works and build your quote on our Help to Buy repayment page.
“Pete is very personable and professional. I'm grateful for the time he takes to understand my financial situation and tailors my requirements accordingly”
S., June 2026, Mortgage Customer
