Switch and save
When your fixed rate ends you are usually moved onto a higher standard variable rate. Remortgaging to a new deal, either with your current lender or a new one, often cuts your monthly payment.
We handle the comparison, the application and the switch, so it is genuinely hands-off for you.
- ✓A whole-of-market review timed to your current deal ending
- ✓Product-transfer options with your existing lender compared too
- ✓All the paperwork handled on your behalf
Release equity sensibly
A remortgage can also free up cash for home improvements, consolidating other borrowing or other plans. We will only ever recommend this where it genuinely makes sense for you.
You get a clear picture of the costs and the long-term impact before you decide anything.
- ✓Raise funds for improvements or other goals
- ✓Honest guidance on whether it is right for you
- ✓Clear figures on costs and total interest
Documents you’ll need
Having these ready speeds everything up. Don’t worry if something is missing, your adviser will help you gather what’s needed.
- ✓Photo ID (passport or driving licence)
- ✓Proof of address (last 3 months)
- ✓Last 3 months’ payslips or 2 years’ accounts
- ✓Last 3 months’ bank statements
- ✓Proof of deposit or equity
- ✓Details of loans, cards and commitments
Common questions
Around three to six months before your current deal ends. Many lenders let you lock in a new rate early, so you are protected if rates rise before your switch date.
There can be valuation, legal and product fees, though many remortgage deals include free valuation and legals. We factor every cost in so the saving we quote is the real one.
Yes, subject to affordability and your lender's criteria. We will show you the numbers and the impact before you commit.
A product transfer means switching to a new deal with your existing lender. It is quick and involves less paperwork, but it is not always the cheapest. We compare it against the whole market so you know either way.
You move onto your lender's standard variable rate, which is usually significantly higher. On a typical loan that can add hundreds of pounds a month, which is why we recommend reviewing early.
Yes, and it can work in your favour. A higher value can lower your loan-to-value band, which often unlocks cheaper rates. We check the numbers as part of every review.
Is your deal about to end?
Send us your current rate and end date and we will show you what you could switch to.