Your deal is ending. Let's make the next one count.
Do nothing and most mortgages drift onto the lender's standard variable rate. We compare the whole market and handle the switch for you.
Remortgaging, in plain English.
Switching your mortgage to a new deal — with your current lender or a different one — usually to get a better rate than the one you're on.
Comparing your options matters just as much now as it did when you first bought. The terms and conditions of remortgage products vary widely between lenders, and staying loyal to yours can quietly cost you: once your rate expires, most mortgages revert to the lender's standard variable rate, which is usually more expensive than the deals available elsewhere.
A better rate isn't the only reason to remortgage. It can also be a way to access equity your home has built up, or to consolidate debt — and each of those deserves proper advice, because the right answer depends on your circumstances, not the headline rate.
You don't have to watch the calendar either. Our free remortgage reminder service gives you a gentle nudge as your rate's end approaches — and by then we'll already have considered the best deals out there for you. If you're self-employed or your income is complex, we'll point the search at the lenders who understand that. Explore specialist mortgages
Your first conversation is free, and there's no obligation. See how it works
Doing nothing is a choice too. Here's what it costs.
The standard variable rate has genuine upsides — flexibility, mainly. But it's rarely the cheapest place to sit. Here's the choice, fairly stated.
| Staying on the SVR | Remortgaging to a new deal | |
|---|---|---|
| What happens | Nothing — your mortgage rolls onto the lender's standard variable rate automatically | You switch to a new deal, with your current lender or a different one |
| Cost | Occasionally lower than what you were paying, but usually more expensive than deals available elsewhere | Usually more competitive — though any set-up costs are worth weighing, and we'll factor them in |
| Flexibility | Typically no early repayment charges, so you're free to leave whenever you like | A new deal usually ties you in for its initial period |
| Certainty | The rate can move whenever the lender changes it | A fixed deal gives you a set payment for its initial period |
| Effort | None — which is exactly why so many people end up here | Some paperwork, and we handle it for you |
How it goes from here.
A free first chat
Your current deal, when it ends, and what you want from the next one — lower payments, certainty, equity, or all three.
We compare the whole market
Your own lender's renewal offer weighed against deals from across the market, with any set-up costs factored in.
A clear recommendation
One plain-English recommendation. Say yes, and we handle the application and the switch from start to finish.
The things remortgagers ask us.
What exactly is remortgaging?
It's switching your existing mortgage to a new deal — with your current lender or a different one — usually to get a better rate than the one you're on. The terms of remortgage products vary widely between lenders, so comparing properly matters just as much as it did when you first bought.
What happens if I do nothing when my deal ends?
Most mortgages revert to the lender's standard variable rate. Occasionally that's lower than what you were paying, but it's usually more expensive and less competitive than deals available elsewhere. It's worth checking before it happens rather than after.
When should I start looking?
Well before your current rate expires — that leaves time to compare properly and line the new deal up to start as the old one ends. We also run a free remortgage reminder service: we'll give you a gentle nudge as your rate's end approaches, having already considered the best deals out there for you.
Can I remortgage to release equity from my home?
Often, yes. If your home has built up equity, remortgaging can be a way to access some of it. We'll look at what's sensible for your circumstances and which lenders would support it.
Can I use a remortgage to consolidate debts?
It's possible, and it can reduce your monthly outgoings — but it means securing borrowing against your home, so it needs weighing carefully. We'll go through whether it genuinely makes sense for you before recommending anything.
I'm self-employed — can I still remortgage?
Yes. Lenders assess self-employed and complex incomes differently, so choosing the right one matters more than usual. We know which lenders look most favourably on which situations — see our specialist mortgages pages.
What do you charge?
There are no upfront fees, and your first conversation is free. We'll explain our charges before doing any work, and any fee is typically only payable once your mortgage offer is issued.
Deal ending soon? Let's see what's out there.
Tell us when your rate expires and we'll come back to you within one working day. No hard sell, no obligation, no jargon.