Securing a better rate
Your current deal has ended or a better rate is available elsewhere. Even a small reduction in interest rate can make a meaningful difference to your monthly payments.
Get a quoteRemortgage & Product Transfer
Remortgages
Save money and time with our hassle-free remortgage and product transfer service - we'll find the right deal and handle the hard work for you.
Know your options
Remortgage or product transfer - what's the difference?
Product transfer - switch to a new deal with your existing lender. No need to remortgage, change provider, or go through a new credit check. Quick, straightforward, and often the right choice. Remortgage - move your mortgage to a new lender entirely. This typically takes 2–3 weeks and involves a solicitor, but valuations are often free and legal fees are sometimes covered or offset by cashback from the new lender. We'll help you decide which route makes more sense for your situation.
Why people remortgage
Three common reasons to switch
Whatever your reason, we'll find the most appropriate deal for your current circumstances
Change in circumstances
A new job, change in income, or shift in financial priorities may mean your existing mortgage is no longer the right fit. We'll find something that suits where you are now.
Talk to usBorrowing additional money
Looking to fund home improvements or consolidate debt? Remortgaging can allow you to release equity and borrow additional funds at a mortgage rate.
Find out moreTiming is everything
When should you start looking?
The best time to start is at least 6 months before your current deal ends. Starting early means you can lock in a rate now and we'll monitor it regularly - if a better deal becomes available before your switch completes, we'll move you onto it. If your deal is ending in the next 6 months, get in touch today.
What to expect
The remortgage process
Simple and straightforward - we manage the process from start to finish
Initial consultation
We search thousands of mortgage deals and compare them against your existing mortgage to find the best solution for your current circumstances.
Agreement in principle
We secure an agreement in principle with your chosen lender - confirming you've passed the first stage of their credit assessment.
Full application
Once you're happy with the deal, we submit your full mortgage application and manage the process on your behalf.
Valuation
For remortgages, the lender will arrange a valuation of your property. This is often free of charge.
Mortgage offer
Your new deal is approved and a formal mortgage offer is issued.
Legal work
For remortgages, your new lender will handle the legal work to transfer from your old lender. We'll help you complete any paperwork required. Product transfers have no legal work needed.
Completion
Your new mortgage deal is live. Job done.
Don't wait until it's too late
Is your mortgage deal ending soon?
Get in touch today and we'll check whether you could be saving money. The sooner you start, the more options you'll have - and there's no obligation to proceed.
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