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Remortgage Broker: Whole of Market Advice Across the UK

Whether your fixed rate is ending or you want a better deal or interest rate, as your remortgage broker we'll search the whole market of the 90+ lenders we have partnered with to find the right remortgage for you.
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ON THIS PAGE
What is remortgaging? When to remortgage Reasons to remortggae Product transfers Interest only Our process Costs & fees Remortgage FAQs
ON THIS PAGE
What is remortgaging? When can you remortgage? Why do people remortgage? Product transfers Interest only Our process Costs & fees Remortgage FAQs

What is Remortgaging?

Remortgaging, in its simplest terms, is moving your mortgage to a new deal, either with your current lender or a different one, with the intention of getting a better rate.

This is typically done once their fixed-rate deal or period ends. If you don’t switch, your lender will automatically move you onto their Standard Variable Rate (SVR), which is usually much more expensive. It’s essentially the default rate banks put you on if you forget to change deals.

That’s why it’s important to review your options before your current deal expires and secure a better rate, which is where Proper Advice comes in.
Read our complete guide to remortgaging →

When Can You Remortgage?

The best time to start looking is usually around six months before your current deal ends. Most lenders will let you lock in a new rate that far in advance, which means you can secure today’s rates without paying any early repayment charges when your new deal starts.

We actually get in touch with our existing clients six months before their fixed rate ends so they can review their options early - it's something we do as standard, not something you have to chase and be worried about.

If your deal has already ended and you're sitting on your lender's SVR, you can remortgage immediately. There's no penalty for leaving the SVR, and in most cases you'll start saving straight away.

Most people come to us for one of these reasons:

Your fixed rate is ending (or has already ended)
This is the most common one. If you’re within six months of your deal finishing, it’s a good time to start exploring your options.

You’ve moved onto your lender’s SVR
SVRs can be 2-3% higher than the best fixed rates. On a £200,000 mortgage, that could mean paying hundreds of pounds more every month than you need to.

Your situation has improved
Maybe your income has gone up, your credit score is better, or your home has increased in value. All of this can open the door to better rates than when you first took your mortgage out.

You want to release equity or consolidate debts
If your property has gone up in value, you may be able to borrow more against it, either for home improvements, to help a family member with a deposit, or to consolidate debts into one lower monthly payment.

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With over 1,800 5-star reviews across Google and TrustPilot, we've helped thousands of customers find the right mortgage solution.
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Why Do People Remortgage?

There are a few key reasons most people remortgage:

Lower monthly payments
When your current deal ends, switching to a new rate can significantly reduce what you pay each month. Even a small rate drop can mean big savings over time.

Take cash out for home improvements
If your property has increased in value, you may be able to release some of that equity as cash. Many people use this for renovations, extensions or other major projects.

Pay off debts
Remortgaging can allow you to roll existing debts, like credit cards or loans, into one monthly payment, often at a lower interest rate. For example, one of our clients reduced their outgoings by £512 per month by consolidating debts into their mortgage.
Find out more about debt consolidation →
Switch to a fixed rate
If you want predictable monthly payments, moving onto a fixed rate can give you certainty, especially when interest rates are changing.

Change your mortgage term
You can also adjust your term by shortening it to pay off your mortgage faster, or extending it to make monthly payments more manageable.

Remortgage vs Product Transfer: What's the Difference?

When your current mortgage deal ends, you’ll usually have two options: a product transfer with your existing lender, or a full remortgage with a new lender. Here's how they compare:
Product Transfer
Switching to a new deal with your current lender
How many options?
Limited to what your lender offers
Valuation needed?
Usually not
Solicitor needed
No
Speed
Can take just days
Best for
Simple like-for-like switches where your lender's rate is competitive
Full Remortgage
Switching to a new deal with a new lender
How many options?
We compare 90+ lenders
Valuation needed?
Yes
Solicitor needed
Yes
Speed
Typically 4-6 weeks
Best for
Getting the best possible rate, releasing equity, restructuring terms
A product transfer is often quicker and more straightforward, and a lot of times it can be more convenient as you’re staying with the lender you already know. However, you’re then only seeing the rates and products that one lender offers.

A full remortgage takes a bit more time, but it opens up the whole market so you can compare a much wider range of deals from different lenders. In many cases, this wider range of choice can lead to better rates or more suitable terms.

That said, we don’t assume the ‘best’ option is always to move. We’ll review both your existing lender’s deals and the wider market before making a recommendation. If staying with your current lender genuinely gives you the best outcome, we’ll tell you that but if there’s a better deal elsewhere, we’ll show you that too.

Can I Remortgage to an Interest-Only Mortgage?

Yes, it’s possible to remortgage onto an interest-only deal, but they’re harder to get than standard repayment mortgages.

Your monthly payments are lower because you’re only paying the interest, not the loan itself. But the key catch is this: you’ll still need a clear plan to repay the full balance at the end. Lenders call this a “repayment vehicle,” and it could be things like savings, investments, selling the property or a pension lump sum.

Because of the risk, lenders are stricter. You’ll usually need a higher income (often around £75,000+) or a significant amount of equity in your property (sometimes 50% or more).

These types of deals tend to suit specific situations, like landlords, people needing lower payments short-term or those with a solid repayment strategy already in place.

Not every lender offers interest-only for residential mortgages, and that’s where we can help. We work with over 90 trusted lenders, including those who specialise in more complex cases, so if a high street bank says no, there’s a very good chance we can still find a solution for you.

Why A Mortgage Broker Is Better Right Now

Mortgage rates can change quickly, and the best deals for your situation don’t always stay around for long. Timing matters more than ever and waiting too long can mean missing out on a crucial lower rate.

Using a broker means you’ve got someone actively watching the market for you, tracking rate changes and lender criteria. That way, when a better deal appears, you’re in a position to act fast and secure it before it disappears.

Ready to see what you could save?

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How Our Remortgage Process Works

As industry-leading remortgage brokers, we designed our process to be as straightforward as possible. No jargon - just clear, honest, proper advice from start to finish.

Fill in our quick online form (it only takes about 2 minutes) or give us a call on 01244 955399. We’ll ask a bit about your current mortgage, what you’re trying to achieve, and a few details about your finances. Nothing complicated.

If everything looks good, we'll ask you to send in some documents so that we can build out your file. This usually includes photo ID, latest 4 months payslips and bank statements, and if you’re self-employed, your latest 2 years self-assessment (SA302s). This helps us match you up with the right lender.

Your dedicated adviser will look across 90+ lenders, including broker-only deals you won’t find online. We don't just chase the cheapest rate; we find the right deal for your situation.

We'll talk you through everything in plain English - rates, fees, monthly payments and which option we'd recommend and why. You decide - there's no pressure.

Once you’re happy, we handle the full application from start to finish, lender, solicitor, and all the back and forth. You'll have two points of contact throughout - your adviser and case manager so there's always someone to speak to. We also keep an eye on rates while your application is progressing, so if a better deal comes along before you complete, we'll let you know.

How Much Does It Cost to Remortgage?

One of the most common questions is whether remortgaging comes with big costs. The reality is, it’s often less expensive than people expect.

Valuation fee. Your lender needs to confirm your property’s value. Most remortgage deals include a free valuation, although a few specialist lenders may still charge.

Solicitor and conveyancing fees. A solicitor handles the legal transfer between lenders. This usually costs around £500–£800, but many lenders offer free legal work as an incentive. Free options can be convenient, though the service level can vary.

Broker fee. This is our fee for finding and arranging your mortgage. We always confirm this upfront before you proceed, so there are no surprises.

Early repayment charge (ERC). This only applies if you leave a fixed-rate deal early. It typically ranges from 1%–5% of your remaining balance. If you’re already on your lender’s SVR, there’s no ERC to pay.

Lender product fee. Some deals include a product fee, usually somewhere between £0–£999. In many cases, this can be added to your mortgage rather than paid upfront and we’ll help you weigh up whether it’s worth it based on the overall savings.

In most cases, remortgaging can cost very little upfront because lenders often cover valuation and legal fees. We’ll always break down the full costs clearly, compare them against your savings and show you whether switching now makes financial sense.

Why Use a Remortgage Broker? What Makes Us Different

We know there are plenty of brokers out there. Here's what makes us different:
Access to 90+ lenders
We're whole-of-market, which means we're not tied to a panel of five or six lenders. We search the full market, including specialist lenders and broker-exclusive deals, to find the best option for you.
Two points of contact
You'll be looked after by a dedicated adviser and a case manager. That means there's always someone who knows your case and can answer your questions.
We monitor your rate
During your application, we review your rate every week. If a better deal becomes available before you complete, we'll switch you to it. Not every broker does this, but we think it's the right thing to do.
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1,800+ 5 star reviews
We don't say we're good - our clients do. With over 1,800 five-star reviews on Trustpilot and Google, our track record speaks for itself. We're rated "Excellent" on both platforms.

Remortgage FAQs

Typically 4–6 weeks from application to completion. It can sometimes be faster if the lender does a desktop valuation and the case is straightforward. We'll keep you updated throughout so you always know where things stand.

Yes, applying to remortgage involves a credit check, which will appear on your credit report. A single application usually has a small, temporary impact and multiple applications in a short time can affect your score and may worry lenders.

Yes. We work with specialist lenders who consider applications from people with CCJs, defaults, missed payments and other credit issues. It's one of the things we help with most often.

Even if rates are higher than before, remortgaging can still save you money. If you do nothing, you’ll usually move onto your lender’s SVR, which is often much more expensive.

A remortgage can still be cheaper than staying on the SVR, even in a higher-rate market. It’s worth comparing options before your current deal ends.

If your home value goes up, you build more equity, which can improve your loan-to-value (LTV) and help you access better rates and deals.

If house prices fall, your LTV may increase, which can limit your options or lead to higher interest rates. In some cases, it can even make remortgaging more difficult.

That’s why it’s important to know your current property value and get advice on how it affects your options.

A day-one remortgage refers to the process of remortgaging a property immediately after purchasing it, typically on the same day or soon after completion.

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Whether your deal is ending, you want a better rate, or you're exploring your options, we're here to help. Fill in our short form and one of our advisers will be in touch.
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Reviewed by Michael Kallaras. Michael is our Managing Director and is a CeMAP-qualified mortgage adviser, specialising in remortgages, debt consolidation, and helping clients navigate complex lending scenarios.

Last Reviewed: February 2026
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