Remortgage savings
Compare your current payment with a new rate, after fees.
You'll enter
- Balance left
- Years left
- Current rate
- New rate
- Fees to switch
Mortgages
Remortgage advice when your deal is ending
Review your options three to six months before your rate ends.
273 reviews
Trustpilot
4.9
from 213 reviews
Response time
Within 2 working hours
Chapter 01
The short answer on remortgaging
When a fixed or tracker deal ends, most lenders move you onto their standard variable rate, which is often higher. You can usually secure a new deal up to six months in advance — either with your current lender (a product transfer) or by moving to a new one. We compare both and explain any costs of switching.
Chapter 02
Your remortgage options
-
Product transfer
A new deal with your current lender — usually quicker, with fewer checks.
Discuss this option: Product transfer -
Move to a new lender
A full application, which may open up a better-suited deal.
Discuss this option: Move to a new lender -
Borrow more
Raise funds for home improvements, subject to affordability.
Discuss this option: Borrow more
Chapter 03
How remortgage advice works
Step 1
Review your current deal
We check your end date, balance and any early repayment charge.
Step 2
Compare options
We look at your current lender’s offers alongside the wider market.
Step 3
Secure the new deal
We apply in advance so the new rate starts when the old one ends.
Step 4
Switch over
Legal work, if needed, is handled so there’s no gap.
Chapter 04
Remortgage costs and risks
What to budget for
- Early repayment charge, if leaving before your deal ends
- Lender product or arrangement fees
- Legal and valuation costs (often included by lenders)
- Our fee, if any — explained in writing first
Chapter 05
Run the numbers
Overpayments
See how much interest and time you could save by paying a little extra.
You'll enter
- Balance left
- Interest rate
- Years left
- Extra each month
Personal protection
Life, income and critical illness cover, reviewed with your mortgage.
Explore protectionChapter 06
What clients say
Reviews left for Zinga on Google and Trustpilot.
Remortgage review
From the very start, she was clear, patient, and took the time to explain every step in plain language so I always knew exactly where I stood.
Many thanks to Arifa who quickly managed to get my mortgage application in principal then fully agreed. Great service thanks for your help.
She was always quick to respond, answered every question clearly, and made the whole mortgage process simple and stress-free.
90+ lenders, including
Chapter 07
How early can I remortgage?
Many lenders let you secure a new rate up to six months before your current deal ends.
Will I pay an early repayment charge?
Only if you leave before your current deal ends. We check your mortgage terms before recommending anything.
Can I remortgage to borrow more?
Often, yes — subject to affordability, your property value and what the money is for.
Chapter 08
Talk to an adviser
Tell us a little about your plans and we'll call you back.
