My Mortgage
Remortgage
Switch to a better deal and start saving — we make it effortless.
Start early
6 months ahead — we search before your deal ends
Typical saving
£200–£500/month by switching from SVR
Capital raising
Available — release equity for any purpose
Product transfer
Also compared — switching vs staying
When to remortgage
The right time to switch — and start saving
- Your current fixed or tracker deal is coming to an end
- You've been moved onto your lender's Standard Variable Rate (SVR)
- You want to release equity for home improvements or debt consolidation
- Your property value has risen and you want a better LTV band
- You want to overpay, extend your term, or switch to interest-only
- Your circumstances have changed — income, employment, or family situation
Good to know
Frequently asked questions
We recommend 3–6 months before your deal expires. Many lenders allow you to lock in a rate up to 6 months in advance.
If you're within a fixed period there will likely be an Early Repayment Charge (ERC). We'll calculate whether savings outweigh this before recommending you proceed.
Yes — this is called capital raising. You can release equity for home improvements, debt consolidation, and more.
Typically 4–8 weeks. A product transfer with your existing lender can be quicker — sometimes just a few days.
See how much you could save
Free remortgage review — plain English, no jargon.
Your home may be repossessed if you do not keep up repayments on your mortgage.