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Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Residential
"Your rate is probably higher than it needs to be."
When your initial mortgage deal ends, you'll move onto your lender's Standard Variable Rate — which is almost always higher. Remortgaging to a new deal can save you hundreds of pounds a month.
What is remortgaging?
Remortgaging means switching your existing mortgage to a new deal — either with your current lender (a product transfer) or with a new lender entirely. The goal is usually to secure a better rate, reduce monthly payments, or release equity from your home.
We recommend starting the remortgage process around 6 months before your current deal expires. This gives enough time to compare the market, submit an application, and have the new deal ready to start the moment your existing one ends — so you don't spend a single day on the SVR.
Remortgaging to release equity is also possible if your property has increased in value. That money can be used for home improvements, paying off other debts, or other purposes.
Who is this for?
- Your current mortgage deal is ending in the next 6 months
- You're already on your lender's Standard Variable Rate
- You want to release equity from your home
- You want to switch to a more flexible product
Key points
- Start 6 months before your deal expires to avoid the SVR
- A product transfer with your existing lender may avoid legal fees
- Switching lender usually means a new valuation and legal process
- Early repayment charges may apply if you switch before your deal ends
Common questions
Things people ask us
Should I stay with my current lender or switch?
Can I remortgage early?
How long does remortgaging take?
Ready to get started?
Book a free, no-obligation appointment.
Straight advice, no jargon.
Straight advice, no jargon.
Also Consider
Related mortgage types
Debt Consolidation
If you're juggling multiple debts at high interest rates, consolidating them into your mortgage can significantly reduce your monthly outgoings. But it's a decision that needs careful thought — and honest advice.
Learn more
Home Improvement Loans
If you're planning a renovation, extension, or major improvement, a further advance or remortgage to raise funds could be more cost-effective than a personal loan — particularly if your property has increased in value.
Learn more
Porting (Moving Home)
If you're moving home and still in the middle of a fixed rate deal, you may be able to port your existing mortgage to your new property — keeping your current rate and avoiding early repayment charges.
Learn more