REMORTGAGE ADVICE
Remortgage Broker: The Right Deal Before Your Rate Ends
When your deal ends, your lender's offer is one option. We compare it with lenders across the market, on total cost rather than headline rate, and handle the switch for you.
Initial consultation free · CeMAP-qualified advice · UK-wide · Read our reviews on Trustpilot ↗
Based in Derby, we advise homeowners across the UK by phone and video.
Rates have risen. Your next deal matters more.
Average fixed rates were close to 6% in mid-October 2026, well above the rates many homeowners fixed at two or five years ago. On a £200,000 mortgage, every 1% is roughly £120 a month. Comparing properly before your deal ends is the single biggest thing you can do about it. See our live rate tables and market update.
Review your remortgage options
Tell us about your plans and circumstances. Your initial consultation is free.
Stay with your lender or move?
| Product transfer | Remortgage to a new lender | |
|---|---|---|
| Income and credit checks | Often none if you are not borrowing more | Full application |
| Choice of rates | Your lender's range only | The whole market |
| Borrowing more | Separate further advance | Possible within the new mortgage |
| Valuation and legal work | Usually none | Usually needed, often free |
| Speed | Days | Typically four to eight weeks |
We check both and recommend the one that costs least over the deal for your circumstances. Read our product transfer vs remortgage guide.
Remortgage situations we often help with
Also see our guides to mortgaging a home you own outright and remortgage costs and fees.
How it works
- Free review. We look at your current deal, its end date, any early repayment charge, your balance and your plans.
- Compare. We check your lender's product transfer and lenders across the market, on total cost over the deal.
- Secure a rate. Where possible we lock in a rate months ahead, and keep watching in case a cheaper one appears before it starts.
- Application and offer. We handle the application, valuation and any underwriter questions.
- Completion. The new deal starts when your old one ends, so you never sit on the standard variable rate.
Not sure when to start? Our remortgage timing guide sets out the timeline.
Illustrative example: why total cost matters
Two deals on a £200,000 balance over 25 years. Deal A is 5.6% with a £999 fee. Deal B is 5.8% with no fee. Over two years, Deal A's payments are about £580 lower, but the £999 fee more than wipes that out, so Deal B is cheaper overall. On a larger balance, the answer can flip. This is an illustration, not a quote.
Our mortgage broker fee
Your initial consultation is free. If you proceed, our broker fee for a straightforward case is £499 in total: £299 on mortgage application and £200 when your mortgage offer is issued. The £299 application payment is refundable if your mortgage is declined, subject to the terms of your written fee agreement. The fee is £999 where income is complex or there are some credit problems, and £1,499 for heavy adverse credit such as a bankruptcy, as far more work is involved. These are paid the same way: part on application, refundable if the mortgage is declined, and the rest when the mortgage offer is issued. We confirm your fee and terms before you proceed. Lender and third-party fees may be additional.
Remortgage FAQs
When should I start looking at remortgaging?
Around six months before your current deal ends. Many lenders let you secure a new rate months in advance, and starting early means you will not move onto your lender's standard variable rate.
Should I take my lender's product transfer or remortgage?
Neither is always better. A product transfer is often simpler, with no new affordability check if you are not borrowing more. A new lender may be cheaper or may lend more. We compare both on total cost over the deal.
Can I remortgage to borrow more?
Often, yes, subject to affordability, your equity and what the money is for. Home improvements are widely accepted. Debt consolidation and business use are restricted by some lenders.
What does remortgaging cost?
Possible costs include lender arrangement fees, any early repayment charge on your current deal and our broker fee. Many remortgage deals include a free valuation and free legal work.
Can I remortgage with bad credit?
Usually, yes. A product transfer may not involve a credit check. If you move lender, specialist lenders consider missed payments, defaults and CCJs, usually at a higher rate.
Can I remortgage if I am self-employed?
Yes. A product transfer usually needs no income check. A new lender will assess your accounts or tax calculations, and lenders differ in which year of figures they use.
How long does a remortgage take?
Typically four to eight weeks from application to completion. Product transfers can be arranged in days.
Is the first consultation free?
Yes. Our initial consultation is free. If you proceed, our broker fee for a straightforward case is £499: £299 on application and £200 when a mortgage offer is issued. The £299 application fee is refundable if the mortgage is declined, subject to the written fee agreement. The fee is £999 where income is complex or there are some credit problems, and £1,499 for heavy adverse credit such as a bankruptcy, as far more work is involved. These are paid the same way: part on application, refundable if the mortgage is declined, and the rest when the mortgage offer is issued. We confirm your fee before you proceed.
Ready to review your remortgage options?
Tell us when your deal ends and what you would like to do. Your initial consultation is free.
Content written and reviewed by Davi Thakar. Last reviewed 16 October 2026. Market figures from Moneyfacts as at 15 October 2026. Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. This information is not a personal recommendation.