Don’t slip onto the SVR.
We’ll catch you.
When your fixed rate ends, your lender will quietly move you onto their Standard Variable Rate — usually significantly higher than what you could get elsewhere. We review the whole market 6 months before, lock in your next deal early, and switch to a better one if rates drop.
Why remortgaging on time matters
The Standard Variable Rate (SVR) is the rate your lender drops you onto automatically when your fixed period ends. SVRs are typically several percentage points above the best fixed-rate deals on the market.
For a £200,000 mortgage, the difference between an SVR and a competitive remortgage can be £200–£400 a month, every month, until you switch. That’s the cost of doing nothing.
Step by step
We start the search. We compare 90+ lenders — both standard remortgages and product transfers.
Locked rates are valid for 3–6 months, with the right to switch if rates drop.
If rates fall, we move you to the better deal.
Most remortgages have a free legal package built in.
The new mortgage replaces the old one on a chosen date — seamlessly.
What you’ll need
- Current mortgage statement showing balance and end-of-fix date
- Latest 3 months of payslips and bank statements
- ID and proof of address
- A recent council tax bill
What it costs
A single broker fee, payable only when your mortgage completes. Free for NHS staff, Blue Light Card holders, teachers, social workers and the armed forces. Always confirmed in writing before any work begins.
Common questions
Will I save money by remortgaging?
Almost always, if you’re on or about to fall onto an SVR. For a £200,000 mortgage the difference can be £200–£400 a month — every month until you switch.
Can I borrow more when I remortgage?
Yes — ‘additional borrowing’ is common, for example for home improvements or debt consolidation. We model the affordability upfront so you know exactly what’s possible.
How long does a remortgage take?
From application to completion, typically 4–8 weeks. We keep the process moving and chase the lender daily when needed.
What if rates drop after I’ve locked one in?
We can usually re-quote. Most lenders allow you to switch products before completion, and we monitor rates actively so you’re not left on a worse deal.
Should I just take the product transfer offer from my existing lender?
Sometimes — if it’s genuinely the most competitive offer. But in our experience, that’s not the most common outcome. A quick whole-market check costs nothing.