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
Mortgage advice
Remortgage advice when your deal is ending
Review your options three to six months before your rate ends.
My deal is ending soon
The short answer
Remortgaging, in plain English.
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.
Who it's for
Homeowners whose deal ends within the next six months, anyone wanting to borrow more for improvements, or those wanting to change the term or add or remove a name.
Try a calculator
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
What happens once I get in touch?
How remortgage advice works.
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Review your current deal
We check your end date, balance and any early repayment charge.
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Compare options
We look at your current lender’s offers alongside the wider market.
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Secure the new deal
We apply in advance so the new rate starts when the old one ends.
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Switch over
Legal work, if needed, is handled so there’s no gap.
Working with 90+ lenders, including
What will it cost, and what are the risks?
Costs and risks to know about.
Costs 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
Please read
Your home may be repossessed if you do not keep up repayments on your mortgage.
Who will I speak to?
Meet the Zinga team.
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Arifa Shakoor
Mortgage and Protection Adviser
Email Arifa -
Seema Babber
Mortgage and Protection Adviser
Email Seema -
Dylan Sidhu
Mortgage and Protection Adviser
Email Dylan -
Aditi Sinha
Mortgage and Protection Adviser
Email Aditi -
Case management
Kunjan Kunwar
Mortgage Case Manager
Email Kunjan - See all profiles
What clients say.
Reviews from Zinga clients across our services.
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.
Adviser: Arifa Shakoor-
Many thanks to Arifa who quickly managed to get my mortgage application in principal then fully agreed. Great service thanks for your help.
Google reviewSamad Khan
Adviser: Arifa Shakoor
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She was always quick to respond, answered every question clearly, and made the whole mortgage process simple and stress-free.
Google reviewramandeep kaur
Adviser: Seema Babber
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Great experience easy to deal with
Trustpilot reviewSam
Remortgage questions.
Didn't find your answer? Ask us directly.
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.
Still unsure?
Talk to an adviser.
Also worth a conversation.
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Personal protection
Life, income and critical illness cover, reviewed with your mortgage.
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Home insurance
Buildings and contents cover, arranged alongside your mortgage.
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Buy-to-let
Buy-to-let purchases, remortgages and how rental income is assessed.
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Company directors
How lenders look at salary, dividends and company profit.