Remortgage advice before your fixed rate ends
When your fixed or tracker deal ends, most lenders move you onto their standard variable rate, which is usually much higher. Planning ahead can save you a lot of money.
When to start looking
Many lenders let you secure a new deal up to six months before your current one ends. Read when should I remortgage for the full timeline.
What we compare for you
- A product transfer with your current lender against deals from other lenders
- Product fees, early repayment charges and the true total cost, not just the headline rate
- Whether a 2-year or 5-year fix or a tracker suits your plans
- Whether your home's value has moved you into a better LTV band
Expert tip: If your property has gone up in value, you may now qualify for a lower LTV band and cheaper rates without paying anything off.
Common questions
Can I remortgage to borrow more?
Often, yes, for things like home improvements, subject to affordability and the lender's criteria.
Will I pay an early repayment charge?
Usually only if you leave before your current deal ends. We'll check your timings so you avoid charges where possible.
Advice is free. A fee is payable only when a full mortgage application is submitted, and reapplications are free. Your home may be repossessed if you do not keep up repayments on your mortgage.
Helpful guides
When Should I Remortgage? A Simple UK Guide
When to start looking, how to avoid your lender's standard variable rate, product transfers vs remortgaging, and costs to watch.
Read guideFixed vs Tracker Mortgage: Which Is Right for You?
The difference between fixed, tracker and variable mortgages, 2 vs 5 year fixes, and how to decide in plain English.
Read guide2-Year vs 5-Year Fixed Mortgage: Which Should You Choose?
The real pros and cons of 2-year and 5-year fixed rate mortgages — flexibility, certainty, fees and how your life plans should decide.
Read guide