Remortgage

Remortgaging can help you save money by switching to a lower interest rate, accessing better terms, or releasing equity for things like home improvements or debt consolidation. It’s also a smart move if your current deal is ending and you want to avoid higher standard variable rates. 

You can lock in a new mortgage deal up to 6 months before your current rate ends. This gives you time to secure a better deal before falling onto your lender’s potentially higher standard variable rate (SVR). 

You can technically remortgage at any point, but early repayment charges may apply. 

 If you’re still within a fixed-rate term, your lender may charge an Early Repayment Charge (ERC). This is usually outlined in your original mortgage offer. We’ll help you assess whether switching now is financially beneficial — and when the best time to act is. 

Common remortgage fees can include:

• Arrangement or product fees
• Valuation fees
• Legal fees
• Early repayment charges (if applicable)
   

💡 Many lenders offer remortgage deals with free legals, no valuation fees, and no arrangement charges — we’ll help you find one that fits your needs.

 Yes, remortgaging with bad credit is possible, but options may be more limited. We work with specialist lenders who assess cases with defaults, missed payments, or lower credit scores. While rates may be higher, we’ll help you find the most competitive deal available for your situation.