Compare Remortgage Rates UK

Is It Time to Compare Remortgage Rates?

If your current mortgage deal is coming to an end, or you're on your lender's standard variable rate, you could be paying more than you need to. Our remortgage guide explains exactly when and how to switch. You might also want to release equity for home improvements or debt consolidation, or consider a product transfer if you'd prefer to stay with your current lender. Understand all the remortgage costs involved and learn strategies to get a lower rate. It's also a great time to review your life insurance and critical illness cover to make sure your protection matches your new mortgage.

• Compare remortgage rates from 90+ top UK lenders
• Avoid being moved to your lender's standard variable rate
• Release equity from your home
• Apply for a remortgage quickly — we handle the paperwork
• Consolidate debts into one manageable payment
• Free, no-obligation consultation

When should I remortgage?

The best time is usually 3-6 months before your current deal ends, to avoid being moved to your lender's standard variable rate (SVR), which is usually much higher.

Can I remortgage to release equity?

Yes, if your property has increased in value, you may be able to borrow more against it. This is commonly used for home improvements, debt consolidation, or helping family members.

Are there fees for remortgaging?

There may be an early repayment charge on your current deal, plus arrangement fees on the new one. Many remortgage deals offer free valuations and legal work. We'll calculate whether switching saves you money overall.

Can I remortgage with bad credit?

Yes, though your options may be more limited. We have access to specialist lenders who consider applicants with adverse credit history.