Mortgages
Remortgage advice when your deal is ending
Review your options three to six months before your rate ends.
- No obligation
- Takes 2 minutes
- Speak to a real adviser
- FCA regulated
- Whole-of-market
- 90+ lenders
- Personal adviser support
The short answer
Remortgage, explained in plain English.
Written by Arifa Shakoor, mortgage and protection adviser
Updated
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 this is 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.
Your options
Your adviser compares these with you and explains the trade-offs before you decide.
Product transfer
A new deal with your current lender — usually quicker, with fewer checks.
Move to a new lender
A full application, which may open up a better-suited deal.
Borrow more
Raise funds for home improvements, subject to affordability.
How it works
From first call to completion.
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01
Review your current deal
We check your end date, balance and any early repayment charge.
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02
Compare options
We look at your current lender’s offers alongside the wider market.
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03
Secure the new deal
We apply in advance so the new rate starts when the old one ends.
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04
Switch over
Legal work, if needed, is handled so there’s no gap.
Before you start
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
Risks
Your home may be repossessed if you do not keep up repayments on your mortgage.
We explain the risks of any recommendation in writing before you proceed.
01How early can I remortgage?
Many lenders let you secure a new rate up to six months before your current deal ends.
02Will I pay an early repayment charge?
Only if you leave before your current deal ends. We check your mortgage terms before recommending anything.
03Can I remortgage to borrow more?
Often, yes — subject to affordability, your property value and what the money is for.
Mortgage enquiry
Talk to an adviser about remortgage.
Takes about two minutes. An adviser will be in touch to talk through your options.
- 1What you need
- 2Property details
- 3Your details
- ✓Adviser follow-up
Why people enquire with us
- A named adviser and case handler look after your case
- We compare lenders across the market, not just one bank
- FCA regulated — firm reference 752191
- Phone, WhatsApp, video or at our Uxbridge office
Your details are kept secure and only used to handle your enquiry.